vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : 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 2024-04-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I had a previous case for an unusable AMEX gift card, case # XXXX. 

After I filed the case, the company sent me a check for the amount of the gift card, {$500.00}. Unfortunately, they delivered it during the winter and left the mail on my porch in the snow and ice. The check was ilegible when opened and the bank will not accept it. 

I contacted the company and they said they would issue a new check which they never did. I called back XXXX weeks after my initial call and the company said I would need to wait XXXX more weeks and call them back for an update. This is the runaround I've experienced from this company the whole time. I've made approximately XXXX calls to the company to have this issue resolved over time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-01 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am writing to file a complaint against XXXX XXXX regarding their handling of XXXX credit accounts listed on my credit reportone from XXXX and the other from XXXX. Despite multiple requests for proof of these accounts, XXXX XXXX has failed to provide satisfactory documentation. 

On XX/XX/2024, I contacted XXXX XXXX to request proof of the XXXX and XXXX credit accounts listed on my credit report. Initially, a representative informed me that I needed to make a payment before they could provide me with the requested information. However, upon further inquiry, the same representative stated that they did not have the documentation available. 

This failure to provide proof of the accounts is concerning and raises questions about the accuracy and validity of the information being reported on my credit report. As a consumer, I have the right to verify the accuracy of the information being reported and to request proof of any accounts listed. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX for their failure to comply with federal laws governing credit reporting and consumer rights. Specifically, I ask that XXXX XXXX be required to provide the requested documentation for the XXXX and XXXX credit accounts or, alternatively, remove the accounts from my credit report. 

I have attached copies of my credit report showing the disputed accounts. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.

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 2024-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
We took out a loan on XX/XX/XXXX with NetCredit. The total amount was XXXX. The interest rate provided was 64.80 % which while high, was still within the Indiana limits. They began withdrawing XXXX every 2 weeks. After several months we realized we were only paying down roughly XXXX dollars a payment and the rest was going to interest. That didn't seem accurate with a 64.80 % interest rate. Upon looking at their payment schedule it was showing we wouldn't be paid off until XX/XX/XXXX. That would be a total of roughly XXXX paid back. This is almost a 190 % interest on this loan which is not legal in Indiana. I did stop payment to this company but they continue to report it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/23 I applied for a line of credit with Headway Capital from on online advertisement. I was in need of help to keep my business going and they offered a quick response. No where in any conversation was the high interest discussed. This was a quick solution to our need. I have been maintaining making payments but it is getting increasingly hard to do so. After reviewing the line of credit with my financial advisor we discovered that the interest rate is 62.6 %!!! This is exorbitant and predatory lending! I have been advised from my business mentor to contact you to submit a complaint. I tried to get help to consolidate the debt at a lower interest rate but they said they could not work with this company. What kind of company is this that they are able to charge that kind of interest rate?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: VA

Complaint narrative:
I am writing to dispute the discrepancy in how my credit score has decreased within a 30-day period. My concern at this time is that my credit score has decreased from XXXX to XXXX in less than 30 days. More specifically, XX/XX/XXXX, to XX/XX/XXXX. The reason for my concern is that my credit profile has not changed. My income is {$240000.00}, my credit usage is less than 1 % and I recently paid off an auto loan in XX/XX/XXXX. My student loans are paid on time in which one of my student loans was paid off in full. I have no credit card debt, which leaves me to believe my identification has been compromised. I recently placed a freeze on my credit report from any inquiries. I just learned that someone elses address is listed on my credit report. 

Unless there is a serious miscalculation in the formula used, how can my score continue to decrease if my payment history shows pays on time? It is hard to believe that my score would decrease at this pace with 1-2 credit inquiries. There can be no other explanation for a XXXX loss in my credit score for which I think a full investigation and explanation is warranted. 

Over the past 60 days I have allowed inquires when applying for loans to finance a dental procedure. I believe that the dental offices might have shopped my credit report around allowing my credit to be pulled multiple times which seems to have compromised my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Stratus Financial LLC
State: AZ

Complaint narrative:
I previously allowed the company to take automatic payments and requested for the automatic payments to stop and they refused saying it is required for my loan. The company is also using a credit card to disburse payments to my school in which I am being charged an extra fee for credit card payments when the final loan documents did not have that as a disbursement option.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, these accounts was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove these accounts 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 non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
Hyundai submitted my account as bad credit charge-off. The account is a JOINT ACCOUNT with my wife. Payment arrangement was approved. Hyundai {$5.00}, XXXX cashier check was mailed and delivered- with signature. The account was never delinquent, because the next due date wasn't until XX/XX/2024. There's no way the account should have been a charge off or bad credit when we received monthly statement via email from Hyundai informing us the next upcoming payment is XX/XX/2024. None of this making sense, so Hyundai needs to recheck because they have the check for {$5800.00} and correct 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 2024-04-01 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: CA

Complaint narrative:
I applied for this card at Best Buy on XXXX Friday XX/XX/2023. I was approved in store for {$2500.00} and I purchased a XXXX XXXXXXXX XXXX tv for {$1600.00} I was told my payments would be XXXX a month for 2 years. I didnt receive a card until XXXX and when I did it was in the name of XXXX XXXX XXXX the account paper it came on still said my name. I called and found out that he received my card, made himself an authorized user, got credit increases and made thousands of dollars of purchases during this period that I didnt even have a card. On XX/XX/2023 he made a charge for {$700.00}, after that, on XX/XX/2023 another charge for {$900.00}. Then another on XX/XX/2023 for {$630.00}, and one more on XX/XX/2023 for {$1600.00}! After I called they closed out that card and sent me a new one. I received that card and made my first payment of XXXX $ on the account and the balance looked correct. Next month I try to pay and all of the charges are back on my account. I call and they said the dispute was denied and Im now responsible for all of these charges. The only information they gave me on why it was denied was this : The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. Ive now reopened this case for the third time and am getting no help. So, I have only ever used this card for one purchase on XX/XX/2023 in XXXX Ca XXXX where I live. I didnt receive a card until XXXX, and XXXX transactions were made in different cities in 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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any erroneous entries from my credit report. Can you verify the paperwork? Several of the specified entries contain inaccuracies concerning reporting, incorrect amounts, and dates.

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 2024-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
This company has been calling me using a robo-dialer at lease once daily for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: NY

Complaint narrative:
I am being affected by fraudulent activity on my credit report to which I filed a Federal Trade Commission Identity theft report to remove this fraudulent activity from my reports. I keep getting ignored and this fraudulent information is still on 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 explanation
Consumer complaint received 2024-04-01 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: GA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I'm XXXX XXXX. 

I'm currently having trouble with my account. I have two credit cards from bank of America ( travel reward card and customized cash back card ). 

I then traveled to my home country of XXXX XXXX for a lengthy vacation ( I'm still there right now ). I used them a few times without issues, but there were two transactions on each card that were declined and they asked that I call them to resolve it and and unlock the cards. 

I called them multiple times and verified all my data. The person on the phone asked that they send a code to my phone so that they could lift the restriction so I gave them my phone number but he said that for some reason their system doesn't want to send the code to my phone. This happened a few times that I call, despite getting frequent messages with codes to my phone number. They asked for another phone number, which I provided but also was not able to send the code. 


Now I'm being asked -or rather forced- to visit a financial center in person. Unfortunately I'm in XXXX XXXX for a lengthy period and can not do it at the moment. I'm in a really tough situation. It is odd why they system doesn't want to verify me remote, why can I not verify by meeting virtually? ( video or otherwise ). 

When I try to book a telephone appointment with a financial advisor, there are no appointment available on their system at all.

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 2024-04-01 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 reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-01 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MEDICAL DATA SYSTEMS INC HAS COMMITTED IDENTITY FRAUD AS A HIPPA VIOLATION. 
MEDICAL DATA SYSTEMS INC ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ) AND SHARED IT WITH SEVERAL XXXX PARTY ENTITIES. 
MEDICAL DATA SYSTEMS DID NOT RECEIVE DISCLOSURE FORMS FROM XXXX XXXX WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The financial institution giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: AZ

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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