vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 2024-02-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
dear Credit Bureau : CFOXXXX XXXX XXXX is the Chief Financial Officer at the Experian i, XXXX XXXX XXXX XXXX living XXXX are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in XXXX. i, have no contract with those Corporations. per the Uniform Commercial Code, ( UCC ), many notifications, and no rebuttals in affidavit under penalty of perjury caused the default judgments put upon them. i need all credit scores recorded by Your Agency of the ALL CAPS NAMES ABOVE to be corrected and the record cleared. i discovered the identity theft put upon the copy-written from birth. ( see non-UCC-1 and TRADE NAME ) I had no way of signing my name on any contract or agreement. this is perpetual Fraud an Identity Theft. i, XXXX XXXX XXXX, entitled owner and Power-Of-Attorney-In-Fact have claimed the above ALL-CAPITAL-LETTER-NAMES, and SSNs created by the State Registrar. the XXXX, OR LEGAL FICTION created under the CESTUI QUE VIE ACT IN 1666 and UNAM SANCTUM is now held in Trust.

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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
Banker not starting an application to open a Small Business checking account even when presented with all required documents as listed on their website. On Tuesday XX/XX/24 walked into the XXXX XXXX XXXX branch inquired what was needed to open a small business checking account. The banker proceeded to ask pre qualification questions along with taking down my social security # and EIN # for business, When I mentioned one client paid through XXXX. She said we don't do XXXX and a second time we don't do XXXX, my response was they can pay via a wire transfer if needed. My other income was from a local University. On Tuesday XX/XX/24 I submitted an email with 7 attachments ( 2 Business Bank statement, EIN letter, Florida articles of incorporation, My Florida ID ). Then on XX/XX/24 I received a phone call on my cell from the same Banker asking for copies of all my contracts with my customers, still nothing starting the process. A comment the Banker made on the phone " we don't open accounts just for anyone ' along with the style and tone of all her questions on asking about my personal Bank balances seemed very arbitrary and after having other friends open business accounts at the same branch didn't receive the same level of scrutiny. Only difference would be that my friends were not of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse items of information, other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any Information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-02-13 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:
XXXX XXXX  sold my account to XXXX XXXX!!! 
Therefore XXXX XXXX also charged off the account XXXX Which means they owe me an XXXX!!! 
XXXX, rep XXXX stated, they decided not to deal with the collection and closed the account!! ( XX/XX/2023 ) Therefore 2 situations that verify the Removal of XXXX XXXX!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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:
XXXX XXXX  sold my account to XXXX XXXX!!! 
Therefore XXXX XXXX  also charged off the account XXXX Which means they owe me an XXXX!!! 
XXXX, rep XXXX stated, they decided not to deal with the collection and closed the account!! ( XX/XX/year> ) Therefore 2 situations that verify the Removal of 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 2024-02-13 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:
On XX/XX/XXXX, I called Capital One to request a status update on my chargeback dispute for {$1900.00}. Capital Ones supervisor informed me the dispute had been permanently resolved and that the merchant had responded to the dispute after I had last called Capital One to check on its status ( XX/XX/XXXX ) to state that they were not disputing the charge further and that the chargeback was valid. This was the first time I had been informed by Capital One that the dispute was permanently resolved. Previously, Capital One had told me on XX/XX/XXXX that they were waiting for the merchant to respond before determining how to proceed with the dispute. I requested that Capital One provide me a letter document the resolution of the dispute, the reason why it was resolved, and documentation of what the merchant had sent Capital One ( e.g., the merchants statement that the chargeback was valid and they were not contesting the charge ). Capital One told me that they could not provide me any documentation and that letter they had sent me previously on XX/XX/XXXX and resent to me on XX/XX/XXXX was the only letter they could provide me. I informed them that this letter did not document the resolution of the dispute and that the letter stated that the dispute was ongoing and the credit ( chargeback ) to my account was temporary. I informed Capital One that I had a right under federal consumer law for documentation regarding my dispute and that it was not appropriate to refuse to provide me documentation of my legal chargeback dispute. I requested again documentation that the dispute was permanently resolved and records of what the merchant had provided Capital One. Capital One refused to provide me any of this documentation. I asked repeatedly for other options and was told no. I asked the supervisor why the information could be verbally communicated to me but not provided me in writing ( which is what is needed for legal documentation ). He just said " no, we don't do that ''. I was told that my concern would be documented for customer service improvement, but that this would not address my request for documentation. The supervisor then disconnected the call and hung up on me to avoid addressing my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX regular ep payment from my credit union. In XXXX, XXXX I did e-check and paid entire balance and asked for acct. to be closed and did not want to receive any card. Upon checking my acct XXXX, ep of {XXXX interest charge by Wells Fargo on my closed acct. Informed me that interest charge on XXXX XXXX! XXXX paid in full on XXXX. XXXX  ; no mention that day interest charges on XXXX, XXXX. So Interest is paid and I asked for this acct to be finally closed, then comes a fraudulent info tracer charge of XXXX since XXXX XXXX ; it was fraud, but i paid it and asked for acct to be finally closed. I received a letter today, XXXX XXXX from Wells Fargo stating they opened a new account for me and put those fraudulent charges on my new account. I never authorized opening a new acct. Those fraud charges were already paid, how can Wells Fargo do this? I want to be rid of WF for good!

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 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm frustrated with the fraudulent accounts on my credit report, and I warn that any non-compliance by your bureau may lead to legal action. It's unacceptable that only your bureau continues to report these accounts, causing harm to my credit score, while the other bureaus and creditors have already addressed and removed them. I demand immediate action, a thorough investigation, and written confirmation of the resolution to avoid legal consequences. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request the removal of certain inquiries from my credit report. After reviewing my credit report, I have identified several inquiries that I believe are inaccurate or no longer relevant. I kindly request your assistance in removing these inquiries from my credit report to ensure its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: PA

Complaint narrative:
I am writing to express my frustration regarding the delay in processing my Income-Driven Repayment ( IDR ) application. It has been nearly 5 months since I submitted my application, which is unacceptable and may be in violation of legal requirements. 

I am deeply concerned about the impact of this delay, as it has resulted in XXXX late payments due to MOHELA prolonged processing time for my IDR plan. I feel that this situation unfairly burdens individuals who are already financially vulnerable. 

As a result of this experience, I am considering filing a formal complaint against your company. I strongly believe that such delays can have serious implications for individuals who rely on timely processing of their IDR applications. 

Additionally, I am prepared to escalate this matter to the Attorney General '' s office if necessary. I expect a prompt and satisfactory resolution to this issue, and I hope to receive a response from your organization addressing this matter as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX XXXX has stated in XXXX that I am not responsible for this fraudulent account and that they would remove it from my credit and tell the debit collection agency, Transworld. Transworld is still looking for me to pay this fraudulent account which someone used identity theft. I have reached out to multiple government fraudulent sites and sent a lot of documentation stating this is NOT my account. I would like to get this removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My Credit Card balance was XXXX on XX/XX/2024 I paid the entire balance accept {XXXX. My payment haven't even posted and synchrony bank decrease my credit card balance to XXXX. I spoke to XXXX ID XXXX in OH and she said there was nothing she could do. This is the second credit card they have decrease my balance. This is red lining and someone needs to check into this. She also said she pulled my credit, all three credit reports are frozen. I have spoken to others and they also said the have had the same issue. 

Thanking you in advance, for your prompt 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 explanation
Consumer complaint received 2024-02-13 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: NY

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  : Account number : XXXX, I was a victim of 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 explanation
Consumer complaint received 2024-02-13 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: NV

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
I have not supply proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exist. 

Never moved in this apartment I had Inquire but I found another place they still charge me 3 months rent of XXXX $ This debt collector has not provided me proper debt validation for this average debt. Please delete this from my credit report. 


The List of accounts below has violated my federaly fipteispute suastiner rights to prifarcy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a a thout my written instruct 15 U.S. concur.

consume items of in information action States : no ency may make any XXXX staining any of the following Any other adverse item of XXXX rt by more a consumer to any consumer reporting agency it the pers Never move In this apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NJ

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief