vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally report an issue I am experiencing with XXXXXXXX XXXX  regarding my car loan. During my bankruptcy proceedings, I reaffirmed my car loan and have not missed a single payment since then. In fact, I have consistently paid more than the required monthly amount. 
After my XXXX XXXX discharge, I contacted XXXXXXXX XXXX to inquire why my positive payment history was not being reported to the credit bureaus. They informed me that they would not report my payments at all. I requested a written statement confirming their policy on this matter, but they refused to provide it. 
This lack of reporting is severely impacting my ability to rebuild my credit, which is essential for my financial recovery. I would greatly appreciate any assistance or guidance you can provide regarding this situation. 

Thank you for your attention to my concerns.

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 2024-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: OR

Complaint narrative:
I have federal Student Loans managed by Edfinancial. 

I think it has been about 6+ months that I can not login to my account from any mobile web browser. I always get an error that simply states come back later. Well, 6 months later I still cant get in. 

The chat bot on their website does not let you connect to a person and it gives the same prompted responses, putting you in a loop. 

I have contacted via support via email but get the same thing as the error from the associate answering my request, to comeback later. 

I can only access my account from a desktop/laptop computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Bank closed my account without notice or explanation. I initially called Ally Bank when I was unable to access my funds. Everytime I called, I was transferred to the fraud department but I was never able to speak with anyone that could help. On multiple occasions I was told that someone ( i.e. a manager ) would call me back but that never happened. 

I'm not clear as to why Ally Bank would not send the funds back to me as the owner or to the institution from which they received the original funds which is my credit union upon closure. I even looped in my credit union via phone and email for verification purposes but still received no response from Ally Bank. 

Please help me to retrieve my funds from Ally Bank. Its appalling that this case has not been resolved after such an extended length of time. Thanks in advance for your help.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The company has charged this account off, so I requested a 1099 c for the cancellation of debit. I was told by the company that I didnt qualify for a 1099 c form. A charged off states that the debit has been cancelled, but it still shows a balance on my report. The company refuses to give me a 1099 c form or remove the debit or remove the charge off.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The company has charged this account off, so I requested a 1099 c for the cancellation of debit. I was told by the company that I didnt qualify for a 1099 c form. A charged off states that the debit has been cancelled, but it still shows a balance on my report. The company refuses to give me a 1099 c form or remove the debit or remove the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: CA

Complaint narrative:
The company has charged this account off, so I requested a 1099 c for the cancellation of debit. I was told by the company that I didnt qualify for a 1099 c form. A charged off states that the debit has been cancelled, but it still shows a balance on my report. The company refuses to give me a 1099 c form or remove the debit or remove the charge off.

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 2024-10-24 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: CBC Companies, Inc.
State: OK

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/year>, an unauthorized charge of {$1100.00} was charged to my business account. I reported the unauthorized charge to PNC BANK on XX/XX/year>. The charges appear to have been made in California for XXXX concert tickets. I reside in XXXX and have never been to California. On XX/XX/year>, PNC Bank suddenly reversed the credit given to my business account and withdrew {$1100.00} in unauthorized charges from the business account and caused over {$320.00} in overdraft fees. 
I called PNC at approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX for explanation but the customer service representative told me that an explanation would be mailed only. This means the matter can not be questioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: MS

Complaint narrative:
I went to an establishment on XX/XX/2024 and was charged {$620.00} when I shouldve only been charged {$410.00}. I brought this to the attention of the establishment and was told I would be refunded. I was then charged a second time on XX/XX/2024 for {$200.00}. I was refunded {$200.00} on XX/XX/XXXX. I am still needing a refund of an additional {$200.00} because in total I was overcharged {$410.00}. My credit card company repeatedly resolved the issue after I sent in documentation and they stated that the refund on {$200.00} was the resolution after i repeatedly informed them that is incorrect. I sent in documentation of receipts on XX/XX/2024 I was told on XX/XX/2024 that my documentation had been received and they are reviewing it. I called today on XX/XX/2024 because I received another email that my dispute was closed and I was informed by a XXXX that no documentation had been received.

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 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 non-monetary relief
Consumer complaint received 2024-10-24 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: OK

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: CA

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] TransUnion Consumer Solutions XXXX XXXX XXXX  XXXX, PA XXXX Re : Illegal Reporting of Collection Account by XXXX XXXX XXXX To Whom It May Concern, I am writing to demand the immediate removal of an account being reported by XXXX XXXX XXXX, which has been illegally listed on my credit report for the past XXXX years. Despite receiving confirmation from XXXX XXXX XXXX through an e-Oscar report ( attached ), which shows that TransUnion has no record of this account on my file, it continues to appear on my credit report, significantly damaging my credit history and financial standing. 

Please note that I previously disputed this account through TransUnion, and you falsely claimed that it had been verified. However, XXXX XXXX XXXX has since provided proof via the Consumer Financial Protection Bureau ( CFPB ) that they requested deletion of this account from my credit report. Their request was not processed because TransUnion inexplicably showed no record of the account. Yet, this account has been reported on my credit report for the past XXXX years, proving that TransUnion has not only mishandled this account but also grossly misrepresented the accuracy of my dispute. 

For the last XXXX years, this fraudulent reporting has caused me undue harm, affecting my ability to secure credit and causing significant emotional distress. XXXX negligence in allowing this erroneous reporting to continue is unacceptable and constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). Your failure to ensure the accuracy of my credit report is grounds for serious legal action. 

I demand the following : 1. Immediate removal of this account from my credit report.

2. Compensation for the financial and emotional damage caused by your reckless handling of my credit file.

3. Written confirmation that this account has been permanently removed from all future reports.

If TransUnion fails to rectify this situation within 15 days of receiving this letter, I will have no choice but to file a lawsuit for damages under the FCRA. Please be advised that I will also be seeking compensation for the distress and harm your errors have caused over these past XXXX years. 

I expect your prompt attention to this matter. If not resolved, I will take all necessary legal actions to hold TransUnion accountable. 


Enclosure : e-Oscar Report from 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 2024-10-24 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.

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 2024-10-24 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.

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 2024-10-24 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi, TransUnion has been doing illegal things to me over the last 15 yrs! if i get one inquiry they take XXXX to XXXX points off my score .... or like today they took XXXX points off my score for my husband adding me as a authorized user. not XXXXne soul in American lost XXXX point to XXXX points for being added as a authorized user. it's a glitch in the system or they are discriminating against me as an XXXX American woman. 

I asked around to muiliple people over the last 15 yrs and out of 300 people no one losses XXXX to XXXX points for a inquiry or being added as an authorized user. 
please restore my points AND the other ones i was cheated out of. 

im XXXX yrs old a XXXX XXXX  a hard worker and all my life i have never had a credit score over XXXX!!! im working my XXXX off to raise it for years and they give me nothing. 
I paid off 99 % with less than {$100.00} to go... ..of my car note i gain XXXX pounts for paying XXXX. thats not fair WHERE IS MY POINTS I DESERVE

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 2024-10-24 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-24 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
This is in regards to an online scam I fell victim to from Purchaser XXXX for {$100.00}. I thought i was purchasing investment research, but it turned out to be a Stock picking scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I recently reviewed my credit report and was concerned to find inquiries that I do not recognize or recall authorizing. These unauthorized inquiries have caused me considerable stress, as they are negatively impacting 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 explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccurate is highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting.

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 2024-10-24 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: TN

Complaint narrative:
Im seeing errors on my credit report under 15 USC 1681c-2, with hard inquiries I didnt authorize. Kindly remove all unauthorized inquiries as soon as possible. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS FRAUD ACCOUNT WAS REMOVED OFF MY OTHER CREDIT REPORTS AND EQUIFAX ALLOWED THE FAKE CREDITOR TO APPLY IT TO MY EQUIFAX REPORT AFTER IT WAS FOUND TO BE FRAUD, I HAVE ATTACHED PROOF Hi, my name is XXXX XXXX, and my DOB is XX/XX/scrub>XX/XX/XXXXAddress XXXX XXXX XXXX XXXX Il XXXX Employment : XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CONCERNING : XXXX XXXX XXXX {$880.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed. I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.

Company response to consumer: Closed with explanation