vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
complaint regarding the ongoing inaccurate account reporting related to XXXX XXXX account # XXXXDespite previous attempts to address this issue, They continues to report incorrectly, which is a clear violation of the law. I have made every effort to rectify this matter but have been met with indifference and lack of compliance. This serves as my last and final attempt to seek justice and have the inaccurate information promptly removed from my credit report. Thank you for your prompt attention. I trust that the CFPB will impartially address this serious issue Remove Account, this is inaccurate information reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: TX

Complaint narrative:
I am an active military XXXX, while Ive been out the country since XXXX, my personal information was compromised and someone has been using my identity to obtain a car loan, and medical service, my military benefits and credit cards, I provided supporting documentation to the credit reporting agencies along with my correspondence challenging the accounts I have listed below. 

XXXX. XXXX XXXX XXXX XXXX XXXX Federal XXXX XXXX XXXX XXXX XXXX not authorize these inquires XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by ETH Node which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX, Equifax XXXX XXXX Account XXXX As a natural person and provider for my family I have a request that inaccurate info inundating my consumer file be deleted and due to the time period also I be paid damages for willful noncompliance. 
XXXX and Equifax credit reporting agencies have been reporting incorrect info on an account That was closed by the creditor. After a correspondence with this creditor it has been deemed that the reporting supplied by creditor XXXX XXXX XXXX is inaccurate. Due to these inaccuracies I have been forced to deal with sub par credit with late payments being reported and collection reported at the same time drastically hindering my ability to obtain credit and due to this fact impacting my mode of living and how I provide for my family. I have found through a letter provided by XXXX XXXX has written this debt off due to litigation so this account is now a legal matter and has nothing to do with credit at this point. But regardless my credit profile is showing payment status of collection/Chargeoff for XXXX and just in a late 120 days with Equifax. These are not the same status hence inaccurate and should be removed from my credit profile due to serious damages and denials of credit for my business and personal sides simply due to reporting. My File even has good payments in XXXX and XXXX but Collection status for XXXX for the same amount of time. I feel as mode of living has definitely been impacted by this gross reporting negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 explanation
Consumer complaint received 2023-07-31 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received two Debit cards in the email from Bank of America that was unauthorized. I don't even have an account through Bank of America. I was at the bank this morning for XXXX XXXX while they helped me report 2 fraud claims which I have the numbers. I called XXXX as well and they have been helpful to provide me with how to do this. These 2 accounts were opened in XXXX of XXXX  and Bank of America said they closed these and reported them as fraud -- which im not afraid will effect my credit/score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian, XXXX XXXX XXXX Account XXXX As a natural person and provider for my family I have a request that inaccurate info inundating my consumer file be deleted and due to the time period also I be paid damages for willful noncompliance. 
Experian and XXXX credit reporting agencies have been reporting incorrect info on an account That was closed by the creditor. After a correspondence with this creditor it has been deemed that the reporting supplied by creditor XXXX XXXX XXXX is inaccurate. Due to these inaccuracies I have been forced to deal with sub par credit with late payments being reported and collection reported at the same time drastically hindering my ability to obtain credit and due to this fact impacting my mode of living and how I provide for my family. I have found through a letter provided by XXXX XXXX has written this debt off due to litigation so this account is now a legal matter and has nothing to do with credit at this point. But regardless my credit profile is showing payment status of collection/Chargeoff for Experian and just in a late 120 days with XXXX. These are not the same status hence inaccurate and should be removed from my credit profile due to serious damages and denials of credit for my business and personal sides simply due to reporting. My File even has good payments in XXXX and XXXX but Collection status for Experian for the same amount of time. I feel as mode of living has definitely been impacted by this gross reporting negligence.

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 2023-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
Today I contacted the loan company and asked why I was still being charged for this loan of {$2700.00} I was then informed of the outrageous interest rate of 503 %. Said there isn't anything they can do to help me. 

If I was to continue making payments on this small loan, I would pay out more than XXXX. 

I did NOT understand this and feel very deceived. I can't pay this back at the terms listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed this report 18 times with each credit bureau. The credit agencies will keep this late fee. They have been told via telephone and 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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 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 other adverse item of information, other than records of convictions of crimes 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 non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 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 other adverse item of information, other than records of convictions of crimes 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
XXXX XXXX loan XXXX was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX Experian responded back on the dispute stating XXXX XXXX reported the balance is still owed. 
I spoke with XXXX at XXXX XXXX collections, XXXX. She stated that they are allowed 8 days from time the debt was paid to verify it was and 30 days to update the report on the credit bureau. 
The balance is updated on XXXX and XXXX, but as of XX/XX/XXXX Experian responded again to my filing a dispute stating the balance is still owed. This a a violation of FCRA to inaccurately report a consumer 's debt owed/paid.

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 2023-07-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX IS CURRENTLY REPORTING A BANKRUPTCY ON MY CREDIT FILE THAT IS NOT REPORTING CORRECTLY, I HAVE PREVIOUSLY DISPUTED XXXX XXXX XXXX WITH EQUIFAX AND XXXX AND IN RESPONSE THEY BOTH VERIFIED THE ITEM AS ACCURATE. STATING THAT THEY HAVE VERIFIED WITH THE COURTS. I CONTACTED THE COURT AND THERE RESPONSE WAS BY LAW THEY ARE NOT ALLOWED THE VERIFY ANY PUBLIC RECORDS WITH 3RD PARTY VENDORS SUCH AS XXXX OR EQUIFAX. IT IS CLEAR THE UNITED STATES BANKRUPTCY XXXX DOES NOT REPORT TO EQUIFAX OR TRANSUNION.THEREFORE EQUIFAX AND XXXX EITHER AN ERROR OR A LIE.EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C & 16811 ) AND THIS INFORMATION MUST BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX XXXX, i was charged a fees of {$100.00} by Discover credit card. I used the credit card for XXXX XXXX but was not made aware that this will be treated as the cash advances. This thing was not disclosed to me by Discover and was also not disclosed to me by XXXX when I was making the transaction. 

I as totally unaware of this cash advance thing and have never used this before on any of my credit cards since last 10 years or so and hence was surprised to see this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
To whom it may concern, This is in response to XXXX XXXX XXXX in Re : XXXXXXXX at XXXXXXXX XXXX XXXX As I stated back in XXXX of 2023, XXXX XXXX XXXX of XXXX XXXX XXXX and the Lawyers for XXXX apartment complex dismissed the case against me without prejudice and vacated the hearing set for XXXX XXXX the Lawyer called me and said I didn't have to appear as well as the courthouse clerk. Explain to me how the collection agency, who I didn't had a signed contract with while residing at XXXX apartment complex Still harassing me and my family, calling my immediate family members harassing them. Using profanity and trying to extort money from me which is a violation. I never signed anything with XXXX XXXX XXXX That being said, XXXX written it off as a tax write off and got paid and XXXX XXXX XXXX bought the debt for little of nothing and they trying to get paid as well. I clearly provided documents and still getting ignored by Experian. I provided proof. If this account is not removed immediately, my final step is to sue for defamation of character and emotional distress. 15 USC 1681 A4 : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

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 2023-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Ive requested Student loan payment refund through Nelnet since XX/XX/2023. Loan balances were added back to my account in early XX/XX/2023 and was promised to see a check within 2-3 weeks. However, since then I still havent received a check and was trying to call Nelnet periodically but was told the request was still being processed. 
This is extremely frustrated because the payment is about to restart and I have to pay for the interest for the balances reinstated in my account. I still dont have the check in hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have an inactive Macy 's Amex credit card. My monthly payment has quadrupled to a tune of over {$2000.00} per month. I was manageable when my bill was {$250.00}, but then it went up and I tried to call them and ask for assistance, but they have refused and stated that I must close my account before they can help. This will hurt my credit. I have tried to make payments as much as I could but I can not catch up to making a {$2000.00} plus payment monthly and they refuse to help 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 2023-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paycheck Solutions llc
State: TX

Complaint narrative:
Paycheck solutions sent a letter to my HR department of my workplace saying that they want them to garnish my paycheck for the amount I owe them. I dont appreciate them doing this. Its embarrassing and its getting people involved that dont need to be involved in my personal affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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