vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: NE

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-27 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: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I received a discharge letter regarding my loans with XXXX XXXX XXXX on XX/XX/year>. I am still awaiting my balance to show the discharge. Upon chatting with an aidvantage representative, I was told it can take seven months or more. It has been twice that so far. I need the balance to reflect my actual balance so that I am able to obtain loans for a XXXX XXXX I am pursuing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-09-27 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: IN

Complaint narrative:
I paid off my account and was later charged interest on the account when i contacted them the late charges and interest were removed and i was even sent a refund check but they refuse to remove the XXXX months delinquent marks on my credit report that says i was delinquent in XXXX or XXXX and XXXX of XXXX i have disputed it several times with transunion and they keep coming back as accurate and i contacted commity bank and they said there was nothing they could do XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-27 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:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue with late payments on my credit record. After reviewing my records, I discovered these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this issue promptly and effectively.

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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NM

Complaint narrative:
Deposited XXXX grant check for {$7600.00} PNC put a perpetual vindictive hold and not allow access to funds for about 2 years. I clearly demostrated who intended payee was. I just recieved a notive of repayment by XXXX XXXXXXXX XXXX Account has been restricted and locked debit card de activated without my concent. 



XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: MS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-09-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: MO

Complaint narrative:
I noticed various billing mistakes when I reviewed my credit report. These late payments do not reflect my regular payment habits.

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 2024-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I recently received a collection letter from Calvary Portfolio Services regarding an alleged debt with XXXX XXXX. I want to clarify that I am a victim of identity theft, and I do not recognize or acknowledge having any account with XXXX XXXX. This debt is not mine, and the account in question was opened without my knowledge or authorization. 

The collection efforts regarding this fraudulent debt violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the following sections are being infringed upon : Section 805 ( c ) : Prohibits continued communication about a disputed debt unless for the purpose of verifying the debt or notifying the consumer that collection efforts will cease.

Section 807 ( 2 ) ( A ) : Prevents the false representation of the character, amount, or legal status of the debt, which is applicable as this debt is not mine.

Section 809 ( b ) : Requires the debt collector to provide proper validation of the debt upon request. Despite my dispute, no adequate validation has been provided.

I request an immediate investigation into this matter, the cessation of all collection activities related to this fraudulent debt, and the removal of this account from my credit report. Continued attempts to collect on this debt will result in legal action to protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: IN

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
This item was purchased by a third party debt collector. This account must be deleted as the status is not correct and amount was paid for less than owed by the Third Party Debt Collector. The accounts is highlighted below. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be deleted immediately Date opened : XX/XX/XXXX Jefferson capital syst Balance {$1500.00} Account number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$880.00} Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX Balance {$640.00} Account number : XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA so the accounts is not accurate or complete. I would like these accounts deleted please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Dispute Number : XXXX Date Posted : XX/XX/year> Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated Transaction was never authorized by me, I did not do anything wrong and need this to be charged back. I already initiated legal process with my attorney regarding dispute with XXXX. However, my dispute doesnt appear to be properly handled by Wells Fargo XXXX Multiple issues with this situation from perspective of card and this is plummeted my credit score already.

Issues : 1. Card limit is XXXX, why transaction over the limit was allowed to begin with. 
2. Provisional credit while dispute being worked must be applied to account already the next day, were 2 weeks later.

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 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-09-27 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Shop Your Way XXXX regarding their recent actions that I believe to be unjust and potentially unlawful. 

Approximately XXXX to 4 months ago, I received a letter from Shop Your Way XXXX stating that they were raising the interest rate on my credit card to 34 %. To my surprise, I was also informed that my account was being closed without prior notice. Confused by this decision, I contacted customer service, where I was informed that this action was based on information obtained from a credit bureau, which I did not authorize. 

I have held this XXXX for about XXXX years and have consistently maintained an excellent credit history. I did not give consent for Shop Your Way XXXX to access my personal credit history, and I believe this unauthorized inquiry is a violation of my rights as a consumer. 

Furthermore, I have attempted to contact customer service multiple times to address this issue, but the automated system fails to recognize my account number, resulting in disconnections. This has made it extremely difficult for me to resolve my concerns. 

Given my long-standing positive account history, I request that my credit card be reinstated immediately. I also urge the Consumer Financial Protection Bureau to investigate Shop Your Way Mastercards practices regarding unauthorized credit checks and account closures without proper notification. 

Thank you for your attention to this matter. I look forward to your prompt 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 2024-09-27 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: TX

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 2024-09-27 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-09-27 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: TX

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 explanation
Consumer complaint received 2024-09-27 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased XXXX toys from XXXX on XX/XX/year> at the amount of $ XXXX and they came damaged and broken. I reached out to XXXX to seek for resolution but they do not gave me adequate resolutions. So i reach out to capital one bank for resolution. I send them every documentations that they asked for but they rejected my claim and sided with the Merchant XXXX XXXX XXXX. This is very unfair and unjust. I believe i should be able to return goods if they come in damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian sent an email on XX/XX/year> stating they will not investigate my disputes claiming I did not mail them. I have mailed in several forms of proof of my identification and ask you enforce experian to process these disputes in a timely manner. These letters were sent by XXXX XXXX XXXX. I am writing in response to Experian stall letter /email ( see attachement ) that states these documents/disputes were not sent by XXXX XXXX XXXX XXXX These dispute letters are in fact being sent by XXXX XXXX XXXX. I have submitted my identity documents again. Failure to investigate these disputes will initiate litigation to proceed. I am requesting you proceed to investigate these accounts immediately as required by law. Please accept this letter as my formal written request for the following items on my credit report to be investigated.

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