vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted my request for the annual free credit report and XXXX gave me a couple of pages and XXXX requested money for my free credit annual report???. I wrote back explaining that this was for my annual free credit report of which I still haven't received anything from them and nothing at all from Experian reporting company?? What have I done wrong, I wrote to these 3 agencies asking for my free credit annual report. You are suppose to get for free, what's up, what's the problem, what don't they understand, and i ask for my full credit report, not just 2 pages. 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 2024-11-30 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2024-11-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/year> at XXXX hours, I used an ATM located inside a XXXX branch at XXXX XXXX XXXX, XXXX, CA XXXX. I request to withdraw {$400.00} plus the {$3.00} transaction fee. The ATM did not dispense the cash while displaying a not working message on the screen. I notified the XXXX staff and security guard who verified the ATM was malfunctioning. The next day the confirmed the ATM technician came and discovered the AT M was out of money and did not dispense any cash. 
The ATM produced a receipt showing {$0.00} was withdrawn and a message saying WITHDRAWL TRANSACTION WAS NOT COMPLETED. I contacted Money Network, the prepaid card services which receives and disburses my CA XXXX XXXXXXXX XXXX They stated I would receive a provisional credit and the dispute would take up to 10 days to resolve. I completed the dispute forms ( CLAIM # XXXX ) and emailed back to them. They confirmed they received the forms. A few days later a supervisor advised the provisional credit was not a guarantee and the investigation could take 45-90 days to resolve. This was the opposite information initially provided. Its also completely ridiculous and egregious to not resolve a clear error and credit back XXXXXXXX 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 2024-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
My loans started at XXXX XXXXXXXX XXXX XXXX, about XXXX for private loans. Then they went to XXXX  to which I did the private loan discharge with them in XXXX once I found out I could do that. Then they went to Mohela and were discharge mid XXXX. I asked via their portal email via my account about why I never recieved a letter that loans were discharged and whether I would be getting refunded my money that I have paid up until that point. A week later got an email via their online portal stating that I would never get my money back and they would never give money back to anyone. I sent them an email back asking why I wouldn't get refunded my money and said I have proof of others who have gotten full refunds and asked what criteria they got fully refunded. They then since dropped my account and have blocked me from correspondence with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am victim of identity theft and there are some inquiries on my credit reports that were not authorized

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 2024-11-30 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: SC

Complaint narrative:
On XX/XX/year> I submitted a complaint regarding an account listed on my consumer report XXXX XXXX XXXX The company responded on XX/XX/year> here is the complaint number XXXX. The reason this is important to mention is because I still see XXXX XXXX XXXX listed on my report after they stated they would delete it. Furthermore I have already stated that I was a victim of fraud and I submitted the FTC Complaint with XXXX XXXX XXXX listed and yet they continue to violate my right to privacy and furnish these fraudulent accounts. 15 USC 1692G requires debt collectors to provide evidence as to how they acquired the debt and are they even licensed to collect in my state. This company continues to furnish bad, inaccurate, and fraudulent information on my consumer report in an attempt to affect my overall credit worthiness.

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 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Collection Management Holdings, LLC
State: WA

Complaint narrative:
Company keeps calling from different numbers at all times or the day. Many times before 8. When I answer they do not say anything just hang up in my face. When I dont answer they dont leave a voicemail detailing who they are or what they want, just repeatedly call me. Its Saturday and they just called me at XXXXXXXX XXXX I have no idea what they want and why they are harassing me but it needs to stop. I'm being woken up out my sleep by these people constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a An Educational loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an authorized credit card opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, An Educational loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collection opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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  The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate removal of the following information that has resulted from identity theft : Account : [ XXXXXXXX XXXX  Account Number : XXXX ] Inquiries : [ XXXX XX/XX/XXXX ] [ XXXX XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] Relevant Provisions of FCRA 605B Under the FCRA, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft. Specifically : 1. Timely Action Required : According to FCRA 605B ( a ), Equifax must block the disputed information no later than four business days after receiving the following : Proof of my identity. 

A copy of my identity theft report. 

Identification of the fraudulent information. 

A statement from me asserting that the information is not the result of any transaction I authorized. 



2. Notification Obligation : As required by FCRA 605B ( b ), Equifax must promptly notify the furnishers of the information about the identity theft claim, the requested block, and the effective dates of the block. 3. Limits on Declining or Rescinding the Block : Equifax may only decline or rescind a block under very specific circumstances, as outlined in FCRA 605B ( c ). Any decision to decline or rescind a block must be accompanied by prompt notification to me, including an explanation as required by FCRA 1681i ( a ) ( 5 ) (
B ).

Action Requested I demand the following actions : 1. Immediate removal of the fraudulent account and inquiries identified above.


2. Notification to all furnishers of the fraudulent nature of the account and inquiries. 3. Written confirmation within 30 days that the disputed information has been removed or blocked, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: PA

Complaint narrative:
I DISPUTED INFORMATION THAT THE COMPANY WAS REPORTING IN MY CONSUMER FILE AND ASK THAT THEY INVESTIGATE THE ACCURACY AND COMPLETENESS OF THESE ACCOUNTS DUE TO THE FACT THAT I WAS INVOLVED IN THE EQUIFAX AND EXPERIAN SECURITY BREACH

I BELIEVE THE COMPANY SUBMITTED THEIR FINDINGS WITHOUT PROPER REINVESTIGATION, THERE WERE NO CERTIFIED DOCUMENTATIONS, NO ORIGINAL CONTRACT WITH MY WET INK SIGNATURE, I BELIEVE THAT THE REINVESTIGATION WAS ACTUALLY NEVER DONE, SINCE THTE COMPANY ACTUALLY USES COMPUTER SYSTEMS TO VERIFY ACCURACIES INSTEAD OF HUMAN BEINGS, IN CONCLUSION THE ACCOUNTS CAME BACK WITH THE SAME GENERIC RESULTS WERE THE SAME.

THE QUESTION I HAVE IS HOW COULD THEY HAVE DONE A PROPER FAIR, AND COMPLETE REINVESTIGATION IF I HAVE A CEASED AND DESIST ORDER IN PLACE WITH THE COMPANIES I REQUESTED THEM TO REINVESTIGATE ?

ACCORDING TO TITLE 15 U.S.C SECTION 1692(c) AND 1692(b) SECTION 5 OF THE (FDCPA) A CEASED AND DESIST UNDER THESE CODES INCLUDE ALL HARRASSING FORMS OF COMMUNICATIONS INCLUDING BUT NOT LIMITED TO (CREDIT REPORTING AND OTHER THIRD PART AASOCIATES ) WHICH MEANS THEY HAVE VIOLATED THE LAW OR THEY ARE COMPLICENC

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 2024-11-30 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: DE

Complaint narrative:
I recently reviewed my credit report and found these fraudulent inquiries i don't recognize. Please remove from my credit report 1. Account Name : XXXX XXXX XXXX XX/XX/2024

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 2024-11-30 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: FL

Complaint narrative:
Looking at my transunion report, I've reached out to transunion a hundred times to no available. Not only is there a discrepancy with this account. XXXX XXXX XXXX is reporting this account TWICE. Thats a violation, its double jeopardy, and duplicate reporting. When i reached out to customer service i informed them there was a langugage barrier, and that this was the same account number, customer service team refused to listen to me, they were very rude. and no one listen. im asking for a removal of the duplicate account from my 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 2024-11-30 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of 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 2024-11-30 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: MN

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of 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 2024-11-30 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: MN

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This complaint is about Synchrony Bank Amazon store card. I purchased an item from Amazon and it was delivered on XX/XX/year>. Part of the payment for this item was from my rewards money ( {$11.00} ). On XX/XX/XXXX I returned this item. Until today ( XX/XX/XXXX ) I still haven't received the refund of my reward money. I called Synchrony and I understand that they have escalated the matter. I am hoping they will solve this soon. 

What I'm actually complaining about is the fact that there is no transparency in showing us the detailed transactions of the reward money. On Synchrony website or phone app we can only see the balance. There's nowhere to see individual transactions. If I didn't monitor the balance, I wouldn't have found that the {$11.00} was never credited to my reward account. Because of this incident, now I am not sure if any of my previous refunds was ever credited to my reward account, and I can't even check if they were or weren't. 

Besides, I spoke to a manager roughly at XXXX on XX/XX/year>. It was a female. She had a baby crying at the back. Her attitude was very bad.

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 2024-11-30 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: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires and accounts that i do not recognize. I contacted the credit bureaus to dispute these hard inquires and accounts and requested their removal. Unfortunately, the credit bureaus refused to remove them off of my credit report. The issue is causing undue stress and is negatively affecting my financial standing.

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 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
BANK OF AMERICA LET MY COUSIN XXXX XXXX STEAL MY CARD AND MAKE A FRADULENT CHECK AND TRIED TO DEPOSIT IT, THE CHECK HAD A DIFFERENT ADDRESS AND A DIFFERENT NAME ON THERE, I LIVE AT XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ALSO THEY VERIFIED THE SUSPECTED FRAUD ON XXXX EVEN THOUGH I WAS WRONGED AND HAVE FILED A POLICE 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 monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-11-30 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: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, I sent XXXX XXXX XXXX a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX XXXX has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate.

2. The name and contact information of the original creditor.

3. Documentation showing their legal authority to collect the debt. 

Additionally, despite failing to validate the debt, XXXX XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.

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