vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
To whom it may concern This is the final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the attached hard inquiries. 

I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore I will be instituting legal action against each for violating Title 15 U.S.C. ss 1681i. 

In any event, I request you delete these inquiries to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically as you likely are aware Title 15 U.S.C.ss 1681n & 1681o provide for, among other things, punitive damages and attorneys fees. 

In any case, in light of the above, your continued unwillingness to bide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions.

Lastly pursuant to sections 1681i, subdivisions ( a ) ( 6 ) A & B, demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation no later than 5 business days after the completion of the reinvestigation.

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 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
I had a XXXX XXXX XXXX credit card they submitted it to Jefferson Capital debt collector and I paid off the balance I actually settled with them for a lesser amount back in XXXX of 2021 they told me once I paid it off and I settled it it will be removed off my credit report and they still have not done it because of that they lied to me I am being refused an apartment And if they can't remove it then they need to change the language and say that I settled the account in a lesser amount and remove the charge-off / collection language off of the three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband and I were applying for home loans in XX/XX/2021. We shopped around with a few lenders including Citibank. The loan officer from Citibank we worked with was XXXX XXXX XXXX. He ended up pulling our credit multiple times without our consent, but since at the time we were shopping for a home loan, we did not do anything about it. 

We bought our home in XX/XX/2021 through another lender and have not applied for a home mortgage since then. 

Recently on XX/XX/2021, XXXX XXXX XXXX pulled our credit ( both me and my husband ), even though we are in NO WAY engaging in business with him. We tried to contact him to get him to reverse the credit pull but were unsuccessful. We also filed disputes with XXXX ( both me and my husband separately ), but XXXX upheld the credit pull as valid, even though we did not authorize it and are NOT seeking a mortgage from Citibank. 

Since we are not getting any help from XXXX XXXX, Citibank or XXXX, we need to file a report to get a resolution and remove the credit check. I'd also like to report XXXX for erroneously pulling credit without our consent both in XXXX when we were shopping for loans, and many months later in XXXX when we had no relationship or contact with him.

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 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the reporting agencys to remove all negatives remarks all late payment all inquiries on my accounts but the refuse to do so.scammers have also use my social security number to apply for things I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, 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 have sent letters to the reporting agencys to remove all negatives remarks all late payment all inquiries on my accounts but the refuse to do so.scammers have also use my social security number to apply for things I have no knowledge of

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 2022-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BMO Harris Bank XXXX XXXX XXXX XXXX XXXX IL XXXX is international doing bank fraud. Intentionally causing late payments. Intentionally causing late fees. Intentionally causing XXXX  scores to be lower. I have XXXX car payments, XXXX different loan providers, mail post office checks to both on same day. XXXX in CA other in IL. CA check clears within 5 days. IL check to BMO Harris just took 32 days to clear. Third time its happened, they harass and call you demanding payment. You authorize electronic payment with late fees. Low and behold within 2 days they magical find the check and apply it to next month. So they can collect interest on essential a double payment.

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 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my THIRD time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -CAPITAL ONE # XXXX -CAPITAL ONE AUTO FINANCE # XXXX -XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my THIRD time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -CAPITAL ONE # XXXX -CAPITAL ONE AUTO FINANCE XXXX XXXX -XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my THIRD time disputing fraudulent items on my report that does not belong to me. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: IA

Complaint narrative:
I Borrowed {$800.00} right before XXXX of 2020. I have paid back at least {$1500.00} they are taking another XXXX out in {$50.00} Increments, which is causing me to have multiple over drafts. I called then last month a they said I only owed arownd XXXX they won't stop stealing my money. I know I made a bad decision going to them, but this is theft at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: TX

Complaint narrative:
XXXX has falsely and unlawfully placed a " Consider '' remark on my report. I have sent documents to XXXX to support my claim yet the company refuses to update my report. I have attached documents to this claim along with XXXX 's Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I placed an order on XX/XX/2021 with XXXX  for two pool cues, towel, chalk, glove, and a cue tip. I paid for priority shipping and called the office to make sure they send my items together to minimize shipping errors because of a previous incident with an XXXX order that was shipped to a different city and I didnt want the same thing to happen again. I was suppose to receive the order on XX/XX/2021, but I didnt so I waited and finally on XX/XX/2021 I received my items missing the two cues and the towel. After that I checked the weight of the package on the USPS website it said 5 lb, and I looked up how much everything should of weighted and it turned out it is suppose to be between 8 to 10 lb. I also noticed that there was a dent on the side of the box and if the box was full with my cues that dent wont be as big as it is. 
When I contacted Wells Fargo they denied my claim and now I dont know what to do especially because it is my first time this ever happened 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 explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
My credit profile has inquiries I did not make. I already asked the credit bureaus to remove them and that it was fraudulent but they didn't care to remove them. They were all made through fraud. I dont have any credit cards or accounts with these companies. I was told to file a complaint through CFPB. 

XXXX ) EQUIFAX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX of 2021, I had been searching for credit cards with good Welcome Offers since I had big purchases coming up. On XXXX XXXX, 2021, I noticed a great promotion for an American Express Gold Card. I returned to the website on XXXX XXXX, 2021, and saw the same promotion - spend {$4000.00} in 6 months, and receive 75,000 bonus points. However, American Express is now claiming that the offer is to spend {$5000.00} in 3 months. I contacted American Express ( Customer Service Rep : XXXX, XXXX XXXX XXXX ), and they haven't provided any proof of the latter offer. Nonetheless, I obviously did not take a screenshot of the promotion the day I signed up. But a basic web archive search confirms the promotion that I signed up for. I would not have been able to spend {$5000.00} in 3 months, and I know for a fact that it was {$4000.00} in 6 months since it would give me more time to meet the bonus offer. I'm honestly shocked that American Express would suddenly change my offer after I had signed up. I definitely did not receive proof of the bonus offer with my Cardmember Agreement, as they claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have advised Experian that XXXX XXXX XXXX has not provided me with a copy of my signed HIPAA Release form. I have requested also that Experian provide me with a copy of my signed HIPAA Release form since they are reporting this information on my credit file. Since my health information is being disclosed without my authorization my information is not being protected. This is a serious violation of my HIPAA Rights.

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 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX has had this information since XXXX and still wont remove the account and ignored the FTC identity theft report. 

XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX I have filled litigation and arbitration against XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX has had this information since XXXX and still wont remove the account and ignored the FTC identity theft report. 

XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX I have filled litigation and arbitration against XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Phoenix Financial Services LLC
State: CO

Complaint narrative:
This is an old record from 2015. The original company XXXX could never show me that this was my bill. I have been contesting that this is fraud for the last 6 years. Then 8 months ago they finally took it off my credit report, only to have it reappear from a company by the name XXXX. This bill for {$1400.00} is NOT mine. Can you please help me to get this resolved! Both companies are slurring my good name and I am so tired of fighting this. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I uploaded the following letters sent to trans union. the XXXX was on XXXX XXXX the XXXX was on XX/XX/2022. I sent the 2nd letter because there was no response to the 1st.

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 2022-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/2021, Navient was contacted to inform them that I was no longer employed ( I had just completed a XXXX internship which was a temporary position ) and therefore would be unable to make monthly payments until further notice. I requested a XXXX emergency forbearance due to my unemployment status, as most employers never responded and the ones that did only did so to notify me that another candidate was chosen despite submitting dozens of applications. However, this request was denied. 

The first agent responded by offering to lower the monthly payments to an approximate amount of {$760.00}. I informed the agent this would not resolve the issue as I had XXXX income at the time. I was then transferred to another agent and was told I can not be granted emergency forbearance. I informed the agent I have been responsibly making payments while I was employed and did not want to default. The agent responded by stating there is nothing she can do. 

I should have been granted emergency forbearance due to my XXXXt status. Paying $ XXXX when I was employed was already extremely difficult enough considering it was approximately 50 % of my monthly income. For perspective, my federal XXXX loans are on the income-based repayment plan and currently have a status of " XXXX XXXX XXXX '' - they have had this status long before the ongoing pandemic. To be expected to make a payment of $ XXXX in addition to " late '' fees once I resume payments is absurd. 

Moreover, despite making uninterrupted payments for the last 5 years I still owe a total of {$75000.00} in private XXXX loans. It appears the payments were applied on the interest and not on the principal balance. An amount of {$75000.00} in a XXXX repayment term would mean I would have to pay a minimum of $ XXXX not including interest. However, I have been required to make monthly payments of {$1000.00}. I do not understand how the extra {$620.00} comes from interest alone. 

In summation, Navient does not care whether or not borrowers are struggling with their student loan payments. If they did, they would offer more reasonable alternatives to delay and postpone payments during periods of economic hardship. Instead it is clear Navient only cares about quarterly earnings and their yearly revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to reach out to the credit bureau regarding the two accounts, XXXX & XXXX, due to the large amount of inconsistent & inaccurate information that is on my reports. I have requested that these accounts be deleted from my Experian report but I continuously receive responses that the information has been updated instead. The information is never updated completely and there are still inaccuracies across all bureaus with both accounts. Which is why I have always requested for the REMOVAL of both accounts, but I am continuously disregarded when requesting this. Please remove these accounts from my credit report that are showcasing completely inaccurate information across every credit bureau. This is hindering me from progressing to the next level personally and with my business, because of these accounts and the incorrect information that creditors are seeing on these accts when pulling my reports.

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