vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: MA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. A PDF WAS ADDED OF INACCURATE ACCOUNTS REPORTING. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Email supposedly from Paypal stating a request for funds. Person with Eastern XXXX accent tried to get me to download software. XXXX XXXX said many are reporting a similar email scam to get personal information. The number to call in the scam is XXXX and XXXX XXXX. 

email was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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 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 2024-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: CA

Complaint narrative:
this company still says I owe about {$14000.00} yet I have been paying on this loan for more than 6 months interest is way too high

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: IL

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Please investigate and remove the following inquiries promptly : Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively.

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 2024-07-02 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
CB Indigo Bank ran a hard inquiry on my credit history that affected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/year> I received a letter from my bank notifying me that a check was made into my account for XXXX I knew I didn't have this much money nor was I expecting such funds so I immediately contacted my pnc bank who told me someone would call me in a day or 2. Since no one calls me by morning of Monday XXXX I call and after being transferred to several departments and placed on hold for quite some time I am informed that due to the check I now have a closed account at pnc and there is nothing I can do. No one seemed to know the reason or why I was not contacted to resolve this issue. I have my irs tax refund coming into this checking account and now have to make ammendments with the irs which will take months to fix. I understand I don't have lots of money but I have always kept a good balance at pnc paying overdraft fees etc and I feel they have wronged by closing my account. They have left me with no remedy and did so with no remorse. Today XXXX a woman called me just to confirm everything that happened but had no solution to my problem that check is coming and will now be returned. Beware pnc users.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had to reopen XXXX claims because the company first reimbursed my funds but than restricted my account so XXXX cant access those funds anymore, Im asking Bank of America to issue me provisional credit for these transactions please

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-02 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I found on my credit report that I had a Citibank Home Depot revolving credit card. After ordering the statements that were from the year XXXX to XXXX, I noticed that the statements were addressed to my XXXX XXXX XXXX in XXXX XXXX, CA XXXX. When I arrived to investigate why I never seen a statement from XXXX. I was informed that my sister XXXX XXXX has been picking up, my mail.. I told the XXXX XXXX XXXX that this was my private locking XXXX XXXX and nobody should be getting my mail. I retired in the year XXXX and my bank account was over drawn from these purchases from this unknown credit card. I have never owned a Home Depot card. I would like restitution for all these damages incurred. Thank you

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 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Usaa sent document dated XXXX XX/XX/year> saying my account was closed. I currently have my VA disability checks and work checks deposited in account. They tell me i wont received that money for 60 days and it will be a check. I have contacted them on chat on phone call XXXX times as of right now, XXXX XX/XX/year>, with no luck. I keep getting emails saying they have escalated, but no one answers the phone and no email to respond back to. 60 days for me to find a new bank, adjust my direct deposits and have no funds to live off of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am writing to bring to your attention an issue related to my credit card account with XXXX XXXX XXXX. On XX/XX/year> I received notification that my account had been closed due to possible fraud. However, I believe this action was taken in error, as I had not received any prior communication or warning. 

As a responsible credit card holder, I have consistently maintained a good payment history and relied on this account for various financial transactions. The abrupt closure has caused inconvenience and confusion. 

I kindly request that you investigate this matter and update my credit report accordingly. Specifically, I ask for the following : 1. Please correct any negative impact on my credit report resulting from the erroneous closure of my credit card account.

2. I seek a detailed explanation for the sudden closure. If there were any issues or concerns, I would appreciate knowing them so that I can address them appropriately.

3. Going forward, I expect timely communication if any changes are planned for my credit report. Advance notice will allow me to take necessary actions. 

I appreciate your attention to this matter and look forward to a swift resolution. Thank you for your prompt assistance. 

Sincerely, XXXX XXXX Account 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 2024-07-02 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: Nelnet, Inc.
State: SC

Complaint narrative:
Please see prior complaint number XXXX. 

The companies response did not address the issue. When submitting my application for an income driven repayment plan, I was required to state my current income, which is XXXX. I was then required to advise if my spouse has income, which she does so i marked yes. Further to that, I was required to provide the proof of income associated with my spouse, as we file a joint tax return, I provided the last tax return which contained the AGI Nelnet is permitted to use to determine my repayment eligibility. 

Their response to my prior complaint was to require documentation that is not required for income driven repayment plans. They also provided conflicting information as they are requiring POI for me which does not exist.

Now, I am late on my payment due to NelNet not properly handling my IDR documentation. Nelnet should cease any negative reporting on my account and accept the tax return previously submitted to them for processing my IDR plan. I will submit this same documentation again, as I have 3 separate times at this point. But expect NelNet to take no further action against my credit or collection of any currently outstanding amount not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app is refusing consumers thier referal bonus as advertised. I have referred many new customers to cash app and when asking cash app about my referal bo us they say my referee didn't qualify without any explanation or perfomerd due diligence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: CA

Complaint narrative:
XXXX XXXX  reported a 30 day late payment to the 3 major credit bureaus XXXX XXXX and TransUnion for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my discover card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and discover should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. XXXX failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against XXXX in the small courts claim where I have all proof to show XXXX is breaking FCRA laws. I have been with XXXX  since XXXX and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!

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 2024-07-02 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: CA

Complaint narrative:
XXXX XXXX  reported a 30 day late payment to the XXXX major credit bureaus XXXX XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my discover card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and discover should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. XXXX failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against XXXX in the small courts claim where I have all proof to show XXXX is breaking FCRA laws. I have been with XXXX  since XXXX and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-02 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been contacted by the collection agency that is not authorize to collect a debt in the state of florida.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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