vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight 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 2024-10-23 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information. 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX {$42000.00} XXXX XXXX  {$4900.00} XXXX XXXX {$6900.00} XXXX XXXX  {$1000.00}

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 explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collection Professionals, Inc.
State: UT

Complaint narrative:
I was contacted by Collection Professionals Inc ( CPI ) in late XXXX about a debt for {$570.00}. The debt was my name but I have a common name and did not recognize the business. I called to see what information I could learn and possibly dispute the debt. CPI eventually hung up on me after I stopped letting their employee interrupt me. I proceeded to contact them and start a dispute. This was done on XX/XX/XXXX. The final day I could start the dispute was XX/XX/XXXX. 

I never heard from the company again, until I was contacted by a servicing company on XX/XX/XXXX. I was eventually served papers on XX/XX/XXXX. Those papers ended up being service papers for a failure to pay a debt to CPI. CPI did not follow their legal obligation when I disputed a debt. I am now being sued for more than double the original amount because they did not respect my debt dispute. From my understanding, this is illegal let alone unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-23 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: TX

Complaint narrative:
I do not recognize these inquires.I did not authorize these inquires. I asked the bureaus for these inquires to be removed and the bureaus did not do so. I am providing a identify theft report and requesting the to be remove because they are inaccurate and not mine.

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 2024-10-23 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I became late on my payments due to having the automatic payment feature turned on on my account and after I realized that I was late on my payments I paid in full the past due amount in order to keep my accounts current I was never warned that I was going to have my account closed and then they closed my accounts as well as closed a free credit monitoring service they offered account for me as well in addition to this they stated on their website that my account was just restricted but my account is actually closed with them whenever I tried to dispute charges according to their guidelines on their billing statements for items that I was not happy with they refused my dispute and recharged me for the items in dispute. They have not given me any options to open my accounts back up nor did they give me any reason for them to close my accounts when I asked them and even wrote them XXXX different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am writing to formally dispute an unauthorized account that is currently reporting to my credit report. I have never had an Apple account, nor have I ever authorized any transactions related to such an account. 

I have attached a copy of a police report and an identity theft affidavit documenting the unauthorized use of my personal information to open this account. These documents provide evidence that I am not responsible for the account activity and that I have been a victim of identity theft. 

I have previously contacted your customer service department regarding this issue and have requested that the unauthorized account be removed from my credit report. Unfortunately, I have not received a satisfactory resolution. 

I kindly request that you investigate this matter promptly and take the necessary steps to remove the unauthorized account from my credit report. Additionally, I would appreciate it if you could provide me with detailed information regarding the account, including the date it was opened, the account number, and any transactions that have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery is attempting to illegally collect debt. They purchased years ago. They continue to reset debt from years ago, which is highly illegal. The statute of limitations for debt in XXXX  is XXXX years. The debt they state is owed has exceeded XXXX years. They need to stop contacting me and dismiss this debt that they are illegally attempting to collect. They are breaking the law in Texas and I will proceed with legal action if they do not dismiss this within a timely manner. They are negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
There was a disputed account that was resolved in my favor. However, it seems the closed the account, reopened the account, resolved the dispute in my favor, but there are still trail charges ( fees/late charges/interest/etc. ) that is still lingering against a fully disputed and resolved amount that keeps resurrecting the account.

The told me this would be resolved, but their resolutions are not keeping pace with the speed of the fees being charged against fees and the departments are not pausing the charges. 

The accounts are all closed and are all resolved disputes in my favor, but their fees are triggering news fees against an initial dollar amount of XXXX. Only really financial transactions are from the company triggered automated fees. 

It is feedback loop that won't stop. 

This has been going on since late 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 monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize these inquires.I did not authorize these inquires. I asked the bureaus for these inquires to be removed and the bureaus did not do so. I am providing a identify theft report and requesting the to be remove because they are inaccurate and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
I do not recognize these inquires.I did not authorize these inquires. I asked the bureaus for these inquires to be removed and the bureaus did not do so. I am providing a identify theft report and requesting the to be remove because they are inaccurate and not mine.

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 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FC HoldCo LLC
State: VA

Complaint narrative:
Mailing Address Correction For Case #: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MD

Complaint narrative:
The company sent an approved forbearance notice for XXXX XXXX XXXX. However, the company reported the account as late for XX/XX/year> and XX/XX/year>. I have been denied access to other opportunities because of the recent dates of reported late payments by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> Subject : Request for Copy of Form 1099-C Dear : Cap1/WMT, I hope this message finds you well. I am writing to request a copy of the IRS Form 1099-C for the cancellation of debt related to the charge-off/collection account under my name, reported to the credit bureaus.

I have noticed this account reflected on my credit report, and I would like to have all necessary documentation, including the Form 1099-C, which should reflect the cancellation of the debt. If this form has already been issued, kindly forward a copy to me at your earliest convenience. If it has not yet been filed, please provide a timeline for when I can expect to receive it.

Here are my details for reference : Full Name : XXXX XXXX Account Number:XXXX Social Security Number : XXXX Date of Charge-Off/CollectionXXXX I would appreciate your prompt attention to this matter and look forward to receiving the requested document as soon as possible. Please feel free to contact me if further information is required to process my request. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: CT

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my 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 non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
I am filing this complaint regarding two accountsXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXlisted on my credit report with inaccuracies. These inaccuracies have obstructed my ability to access credit for essential purchases such as a home or vehicle, causing severe financial hardship. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I discovered incorrect information associated with this account on my credit report. In compliance with the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, I requested verifiable proof in the form of the original signed contract. However, the company provided only billing statements, which do not meet the legal requirements for verification. This failure has adversely impacted my credit score. 

XXXX. XXXX XXXX XXXX XXXX - This account, which I did not open or authorize, is the result of identity theft. The breach may have stemmed from the XXXX, XXXX XXXX, or Social Security data breaches. Despite repeated requests for resolution, the creditor has failed to provide verifiable proof or respond adequately to my inquiries.

Additionally : - Several hard inquiries remain on my credit report beyond 30 days without proper authorization.

- I am requesting a Promotional Suppression to prevent my credit file from being included in promotional lists shared with creditors. 

I also invoke the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which mandates proper documentation for obligations or debts. As these financial instruments require strict compliance, I demand the removal or correction of any unverifiable account information and hard inquiries to ensure compliance with this international convention.

Dates and Actions Taken - Identified inaccuracies on my credit report.

- Submitted dispute requests to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Received only billing statements from XXXX XXXX XXXX , which I did not recognize.

- Followed up with both creditors, requesting proper verification and physical contracts.

Despite my efforts, the issue remains unresolved. Therefore, I request the CFPBs intervention to ensure my rights under the FCRA and the XXXX XXXX XXXX are upheld. If these inaccuracies are not corrected or removed within 30-45 days, I will initiate legal action to recover damages of {$1000.00} per inaccuracy on my report.

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 2024-10-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Today ( XX/XX/XXXX ), I did early withdrawal on a bunch of CDs which matured on XX/XX/XXXX and I was charged an Early Withdrawal Penalty totalling {$420.00} ( across several CDs ). 

On an email from Ally a few days before maturity, they had clearly mentioned XX/XX/XXXX as the end of the grace period ( see relevant section from Ally 's email attached ). It was mentioned in the email that I am allowed to make changes like close a CD without any penalty when in the grace period.

However they still charged me an early closure penalty. Their customer service was unable to help - their
explanation was that XX/XX/XXXX is not included in the 10 days. I am not sure about the day calculation they used- but I went off of the email that was sent to me. The email clearly stated XX/XX/XXXX as the end of the grace period. My attempt to close the CDs happened on XX/XX/XXXX at XXXX Eastern time- which should fall within the grace period.

After many attempts, their customer service is not ready to help. Their stance is that the grace period is over and hence the fees.

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