vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 2024-11-19 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Bridge IT, Inc.
State: CA

Complaint narrative:
The money was suppose to deposit to my account but it never did. Not I cant get a hold of them and when they did respond they are asking me to repay loan ans said the money was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: VA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  ( account number XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In or on about XX/XX/year>, I signed up for a Synchrony Bank credit card that would prepay for services from a company called XXXX XXXX XXXX to put some flooring in my house. XXXX XXXX XXXX agents came to my house twice with the wrong colored flooring, and later admitted that they didn't have the flooring that I requested. Since XXXX XXXX XXXX didn't have the flooring that I requested in stock they couldn't provide me with a service. Synchrony Bank is still charging me for services that were never provided to me. I wrote both companies several times, through certified mail with affidavits of proof of correspondence sent, and neither companies responded to address the issue. Synchrony Bank response is only a copy of the contract signed between myself and XXXX XXXX XXXX but neither addressed the issue. I called the Bank to ask for their legal team and I was told that the Bank doesn't have a legal team ( which sounds odd ). The issue is that I didn't receive a service from XXXX XXXX XXXX and by the laws of equity I shouldn't have to pay for services I didn't receive. XXXX XXXX XXXX should not receive unjust enrichment for services not provided and I should not have to pay for unjust enrichment. Please have Synchrony remove the negative information from my credit report because it is effecting my report negatively. If you need copies of the correspondence that I have sent to both parties I can provide that, and I can send your agency all of the correspondence that was sent to me by them to prove they never addressed the issue. Thank you for your time in this matter and may God bless you and your family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XX/XX/XXXX I purchased a board game and all of its expansion packs for {$410.00} total. After XXXX and a half weeks of no response from the company, I emailed them about my order, as well as submitted a ticket to their website. After not hearing anything from the company at all aside from automated bot messages, I opened a fraud case with my bank Huntington National Bank. I received temporary credit and was told they would look into it. I asked if I would need to do anything further, as I was going out of town, and was told they would look into it. I came back from my trip to multiple pieces of mail from Huntington, the finally one stating the case was closed due to lack of evidence. I called to ask them to reopen it, and was strung around on the phone until someone told me they would put a note in my account to open it. I waited ~2 weeks after that, and when I heard nothing, I went into a branch. I was told to fill out a form and left it at the branch so they could send it in to the appropriate department. After filling out these forms, I received another piece of mail asking me to fill out the same forms I had already filled out at the branch. Just to be thorough, I filled out the form again and sent every piece of evidence I had in proving I never received my expensive online purchase. Not to mention the company I bought it from has since been outed in the board game community as scammers who are ghosting people and not answering requests for refunds on goods they never delivered. I received another letter in the mail saying they never received any evidence AT ALL from me, and the manager at the branch told me to wait and see if they had just missed my email and multiple letters sent in. Today, XX/XX/XXXX, they told me they are closing the case due to a delay in replying to them, which is an embarrassing cop out since anyone can take 2 minutes online to see the board game company is not filling their website orders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I am writing to file a formal complaint against Mohela, my student loan servicer, regarding improper billing practices and inadequate customer service. I am currently a XXXX XXXX XXXX and as such, my student loans are automatically deferred under federal guidelines. My full-time enrollment status has been verified with XXXX, which accurately reflects my XXXX XXXX in XXXX XXXX  Despite this, Mohela has been billing me as though my loans are not in deferment.I have made multiple attempts to resolve this issue directly with Mohela. Unfortunately, these efforts have been met with significant challenges and despite XXXX confirming my enrollment, Mohela has failed to honor the automatic deferment. 
Further, when contacting Mohela to address the matter, I have been placed in an unproductive loop of transfers and excessive hold times. Each interaction results in being shuffled between representatives with no resolution or meaningful follow-up. 
This situation has caused me unnecessary stress and wasted valuable time that could have been devoted to my studies. Furthermore, I am concerned about potential negative impacts on my credit score or financial standing due to Mohelas mismanagement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-19 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-19 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: NM

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX* XXXX XXXX XXXX XXXX, MN XXXX **Subject : XXXX Request for Account Deletion Disputed Account To Whom It May Concern, I am writing to formally dispute the reporting of the account listed below on my credit report. I believe this information is inaccurate and/or incomplete and should be removed. 

- **Creditor Name : ** XXXX XXXX - **Date Reported Closed : ** XX/XX/year> **Reason for Dispute : ** XXXX. The account shows a payment history of being late for several months ; however, the account status is marked as " XXXX. '' This inconsistency raises questions about the accuracy of the reporting. 
XXXX. The remarks state, Consumer disputes after resolution, but it appears the account still contains unresolved inaccuracies affecting my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is erroneous or unverifiable. Please investigate this matter, verify the accuracy of the account details with the original creditor, and provide me with supporting documentation to validate the accuracy of this account. If you can not verify the information, I request that you delete the account entirely from my credit report. 

Attached, I have included a copy of my identification and a copy of my credit report highlighting the account in question for your reference. 

I expect a resolution to this matter within 30 days as required under the FCRA. Please notify me of your findings in writing and provide an updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. If you need further information, I can be reached at XXXX XXXX XXXX XXXX. 

Sincerely, 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 2024-11-19 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Request for Account Deletion Disputed Account To Whom It May Concern, I am writing to formally dispute the reporting of the account listed below on my credit report. I believe this information is inaccurate and/or incomplete and should be removed. 

- **Creditor Name : ** XXXX XXXX - **Date Reported Closed : ** XX/XX/year> **Reason for Dispute : ** 1. The account shows a payment history of being late for several months ; however, the account status is marked as " Paid. '' This inconsistency raises questions about the accuracy of the reporting. 
2. The remarks state, Consumer disputes after resolution, but it appears the account still contains unresolved inaccuracies affecting my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is erroneous or unverifiable. Please investigate this matter, verify the accuracy of the account details with the original creditor, and provide me with supporting documentation to validate the accuracy of this account. If you can not verify the information, I request that you delete the account entirely from my credit report. 

Attached, I have included a copy of my identification and a copy of my credit report highlighting the account in question for your reference. 

I expect a resolution to this matter within 30 days as required under the FCRA. Please notify me of your findings in writing and provide an updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. If you need further information, I can be reached at XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
My Cash App account was randomly closed a few weeks ago. After countless attempts to contact them for some resolution I only seemed to get copy paste responses back repeating that I " violated XXXX ''. 

I asked for any proof of this and they would just send a pre-written mail back stating they assisted all they could and consider the matter closed. I do not consider the matter closed, my account was closed off baseless accusations which I know I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I constantly check my credit report and notice that the errors and false misleading information for individual accounts are didn't quite meet the credit reporting standards of being 100 % accurate. this has damaged me and held me back from some time now. My life has been affected a lot from this false information. I am demanding CFPB to enforce the correction and deletion of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I constantly check my credit report and notice that the errors and false misleading information for individual accounts are didn't quite meet the credit reporting standards of being 100 % accurate. this has damaged me and held me back from some time now. My life has been affected a lot from this false information. I am demanding CFPB to enforce the correction and deletion of these items.

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 2024-11-19 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: NV

Complaint narrative:
This morning, I was shocked to see accounts on my credit report that shouldnt be there, and I cant figure out why. Everything looked fine during previous checks, but today, discrepancies seemed to have appeared from nowhere. I even refreshed the browser, hoping it was a temporary glitch, but the inaccuracies remained. Im deeply troubled by this and ask that my submitted documents be thoroughly reviewed so this issue can be permanently resolved.

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 2024-11-19 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FC HoldCo LLC
State: TX

Complaint narrative:
There is a closed collection on all my credit reports. This has been discharged from my XXXX. Case # XXXX This account is from XXXX It has been on my credit way too long. 
Can this be removed from ALL 3 credit bureaus please. 
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