vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: MD

Complaint narrative:
I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire XXXX timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX XXXX XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me arrested and committed for a XXXX  XXXX  versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a XXXX period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: OH

Complaint narrative:
I called the XXXX XXXX XXXX XXXX to ask why I was being charged XXXX and XXXX when I have gotten my credit as of yet. They said they had closed the account and were charging me the XXXX fee for the card and an additional amount of XXXX. 
I also asked them to remove any negative remarks about my credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
On XX/XX/2023, I lost money from my XXXX XXXX account around {$70000.00}. it was sent to an unknown wallet. I can not contact the company to discuss this case. Someone stole my money from my XXXX wallet. I need help right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
LATE PAYMENTS ON CREDIT REPORT DONT HAVE THIS ACCOUNT Inaccurrence with The Fair Credit Reporting Act XXXX account CAPITAL One has violated my rights 15 USC 1681 section 602a states I have the right to my privacy 15 USC 1681 section 604 a section 2 It also stated to Consumer reporting agency can not furnish an account without my written consent of instructions 15 us code 1681a- definitions rules of construction exclusions except as provided in a paragraph the term Consumer Report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as a late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received several emails about a checking account opened in my name with Truist.I did not open a checking account with them and have never been to one of their banks. I called customer service and she said the only way she could look it up was with my social security number, which I was not comfortable giving. A User ID was created XX/XX/23 at XXXX XXXX  in the US. Account details in email : Account Truist XXXX Checking XXXX, Application ID : 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 2023-10-05 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: EdFinancial Services
State: NY

Complaint narrative:
My student loans have been paid in full. As of XX/XX/2023, my EdFinancial account and my Federal Student Aid account had been updated to reflect the {$0.00} balance. 

However, yesterday morning an EdFinancial customer service representative notified me that I have an account balance of {$550.00}. That evening, I logged into my EdFinancial account and saw a total current balance of {$41000.00}. As of this morning, the amount has grown to {$41000.00}, and it now says that I have a past-due payment of {$110.00}. 

The current balance on XXXX XXXX is listed as {$650.00} ( original principal {$20000.00} ). The following payments were made to this group : XX/XX/2023 : {$900.00} ( confirmation # XXXX ) XX/XX/2023 : {$19000.00} ( confirmation # XXXX ) The current balance on XXXX XXXX is listed as {$20000.00} ( original principal {$20000.00} ). The following payments were made to this group : XX/XX/2023 : {$20000.00} ( confirmation # XXXX ) The current balance on XXXX XXXX is listed as {$20000.00} ( original principal {$20000.00} ). The following payments were made to this group : XX/XX/2023 : {$20000.00} ( confirmation # XXXX ) All of these payments were made and reflected on my EdFinancial account this XXXX, BEFORE any interest could have started accruing. As such, these loans have been paid in full and I do not owe any more. 

I am attaching the following : 1. A screenshot of my account summary page showing payments listed as due now ; 2. A screenshot of the total current balance as it appears on my account now ; 3. The specific amounts for each loan that my account lists as owed ; 4. A compilation of confirmation emails for every payment made towards my student loans ; 5. A compilation of screenshots of each loan payment made, with loan groups specified ; 6. A screenshot of my {$0.00} loan balance on my EdFinancial account as of XX/XX/2023 ; 7. A screenshot of my {$0.00} loan balance on my Federal Student Aid account as of XX/XX/2023 ; and 8. My correspondence with EdFinancial as of today, XX/XX/2023. I am contacting you concurrently with EdFinancial because this issue has now become time-sensitive in light of the claimed " past-due '' payment, and I have had trouble getting timely responses from EdFinancial in the past on other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: IL

Complaint narrative:
Experian has put this ( Account XXXX XXXX XXXX XXXX Account # XXXX ) back on my credit report under different name ( Account XXXX XXXX XXXX XXXX Account # XXXX ) the information is inaccurate, I've made several attempts to Experian requesting the names and business addresses of each individual with whom they verified the information above, so that I may follow up. The date they contacted the individual furnishers of information. The method of communication they used to verify the information, my request have been ignored. As well as my request to remove this unauthorized inquiry from my credit report, XXXX XXXX XXXX XXXXXX/XX/2023.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: EdFinancial Services
State: OH

Complaint narrative:
My auto payments keep changing from some amount to XXXX and I have no idea what I'm supposed to be paying or when my payments will start

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-10-05 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: NY

Complaint narrative:
I requested validation from XXXX, XXXX XXXX TransUnion that my mortgage payment was late for the month of XXXX as well as the day they claim it was reported. None of the XXXX bureaus provided me with proof of a late payment nor did they provide me with the actual date the derogatory was published. Instead they sent me a copy of my credit report to review.

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 2023-10-05 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: NY

Complaint narrative:
I requested validation from equifax, XXXX XXXX XXXX that my mortgage payment was late for the month of XXXX as well as the day they claim it was reported. None of the XXXX bureaus provided me with proof of a late payment nor did they provide me with the actual date the derogatory was published. Instead they sent me a copy of my credit report to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: NY

Complaint narrative:
I requested validation from XXXX, Experian XXXX XXXX that my mortgage payment was late for the month of XXXX as well as the day they claim it was reported. None of the XXXX bureaus provided me with proof of a late payment nor did they provide me with the actual date the derogatory was published. Instead they sent me a copy of my credit report to review.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter 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 non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-05 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: AZ

Complaint narrative:
This is a formal complaint that Credit Bureaus ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. I am fully aware that credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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