vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2024, I called a Citibank services for Home Depot and Home Depot and spoke with representative and asked him have they received my settlement and payment for an old account. He stated, " yes '' and I asked him will Citibank report any of this to the credit agencies ( XXXX, XXXX, and XXXX ). I advised him that Citibank is still reporting to the credit agencies that I am delinquent, and I am still past due on my account. I asked the representative for a payoff or settlement letter and report my information to the credit agencies. I also advised the representative that the credit agencies advised me that your company ( Citibank/Home Depot ) is still reporting wrongful information to the credit agency. I requested my information be corrected. He advised me that he would do something is 60 days. I asked him if he could email me a payoff letter and he advised no, and I would have to just wait on that too. I also called Home Depot representatives and they all passed me off to Citibank because they refused to look into my case or provide me with information about my account. In all I called Home Depot and Citibank approximately or close to 12 times just to get help. This is unacceptable.

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 2024-06-27 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: U.S. BANCORP
State: FL

Complaint narrative:
US BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX I n

oticed an inquiry on my credit report from the above company. According to the FCRA this item should have been removed permanently. 15 U.S.C Code 1681 i ( 7 ) states there should have been an explained reinvestigation involving the hard inquiry and I have not received anything.

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 2024-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
XX/XX/year>2024, I asked to get my loan rates lowered after being in 6 months of forbearance. At XXXX dollars a month at XXXX percent interest, the loan is impossible for someone like me to pay, and puts my cosigner at risk. Not to mention, my school told me it would be really easy for me to get a job outside of college. Their online portal hasn't helped at all, and despite applying to countless jobs as a video editor, my current trade, and several other jobs in the industry, I haven't picked up anything sustainable. I don't even make XXXX dollars a month, and I have to pay for my car, and have several expenses that i need to do my job in the first place that make this impossible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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:
Unauthorized inquiries have been identified 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 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One credit card begin charging me a {$40.00} late fee and increase from {$25.00}. I asked for a credit and one credit was applied to my Capital One Quicksliver card but not for my other Capital One card. These credit card company are making it impossible to get ahead when the continue to charge a ridiculous amount on late fees. They didnt inform me of the sudden increase. Capital One has a history of theses practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: NY

Complaint narrative:
I have been living in at my current address since XXXX see attached NY driver licensed issued XXXX. The lease provided by IQ Data is not mine and does not contain my information. This lease page provided by IQ DATA contain multiple names and is of no agreement entered in by me. I have reached out to the company, and they have no record of this account. The XXXX  address provided is not my resident, and it never was. i did not reside at the address on the document provided by IQ DATA. I do not owe this debt please remove. You have the wrong person. i do not owe anything for move out as i have had the same address for over 10 years. i was living at my current address when this lease was created. 
The first page of lease agreement provided by IQ DATA in XX/XX/year> to my home in XXXX does not even contain my NAME or address of over 10 years ( Attached ). Additionally, the lease agreement contains no monetary amount. The documents sent to me does not validate this debt therefore This debt has not been validated and must be removed immediately. account # XXXX IQ DATA has continued to report the collection and has placed the collection on my credit report. I did not sign this lease and have provided evidence supporting my claim. The evidence included documentation of identity theft, a police report and proof that the NAME and address listed on the lease agreement provided by IQ DATA INTERNATIONAL , INC does not correspond to me and my residence of over 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Please provide evidence that I have negative balance.. if I share address with someone that must be my neighbor.. but why do I have to suffer for what my neighbor did.. I have moved from one house to another in recent years so youre telling me that if someone living there commit an offense I will be the one to suffer for it.. as far as I know I dont have any negative balance under my name.. so you cant just because I share address with someone you will now debit me because I share address with someone thats ridiculous.. please refund my money.. please provide evidence that you claimed under the name XXXX XXXX that I have negative balance.. it must be with my name please.. if its not with my name then its not me.. I cant suffer for someone misconduct because we share the same address.. dont give lame excuses I wont stop this until I take you guys to court.. youre making me losing my life if I commit suicide I will label its from PayPal.. refund my money dont XXXX my money for yourself because I share address with a roommate or neighbor or someone that lives there before.. so far its not with my name you cant because of address and put someone misconduct on me. 

Email associated with my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date
. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2024 I was a victim of an XXXX XXXX XXXX XXXX XXXX. The assailant stole my phone and used my phone to make fraudulent transactions on my Venmo account. I contact Venmo to terminate my card, change my password, and to dispute all charges I did not make or authorize. Venmo has denied my disputes and appeals without proper research, communication, or understanding of the situation. This is extremely frustrating and disappointing. I have submitted dispute claims for the amounts of {$60.00} where they loaded money to a XXXX XXXX  account from my Venmo, {$670.00} where they sent money through XXXX XXXX to themselves from my Venmo account, {$56.00} where they spent my money at a XXXX XXXX, {$26.00} where they spent money at XXXX, and {$6.00} where they spent money at a XXXX. I submitted information from the police report to Venmo and they claimed that this was no sufficient evidence. This situation is ridiculous and I need someone in leadership to contact me from the company immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I noticed the above company is the reason a hard inquiry remains on my credit report. The same company is also involved in a collection litigation case. Also, I have requested for this item to be removed from my credit report multiple times, according to the FCRA, 15 U.S.C Code 1681 i ( 7 ) there were no explained reinvestigations on the item therefore I am requesting once more for the item to be removed immediately. 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 2024-06-27 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: ID Analytics, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I noticed the above company is the reason a hard inquiry remains on my credit report. The same company is also involved in a collection litigation case. Also, I have requested for this item to be removed from my credit report multiple times, according to the FCRA, 15 U.S.C Code 1681 i ( 7 ) there were no explained reinvestigations on the item therefore I am requesting once more for the item to be removed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I noticed the above company is the reason a hard inquiry remains on my credit report. The same company is also involved in a collection litigation case. Also, I have requested for this item to be removed from my credit report multiple times, according to the FCRA, 15 U.S.C Code 1681 i ( 7 ) there were no explained reinvestigations on the item therefore I am requesting once more for the item to be removed immediately. 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 2024-06-27 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: OH

Complaint narrative:
I am writing to challenge the existence of specific hard inquiry on my ceI find it unacceptable that Equifax permitted such inquiry without obtaining my explicit consent as a consumer. 

XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: GA

Complaint narrative:
My credit report has different information reporting for this account and I am not sure what is accurate. This inaccurate reporting has affected me and not allowed me to get a much need apartment to house my children.

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 2024-06-27 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: IN

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from 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 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed ( XXXX XXXX XXXX XXXX ) has placed me in debt that has been bought from the collection agency above. I do not recognize the debt, nor do I understand why the collection is on my credit report. Due to the item being unauthorized, involved in illegal practices, and not being given written consent, I am requesting for it to be removed immediately. 15 U.S.C Code 1681 ( b ) No permissible purpose of the consumer report. If there is a reason, we can not come to that conclusion I will forward matters to my Litigation Attorney.

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 2024-06-27 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: GA

Complaint narrative:
My credit report has different information reporting for this account and I am not sure what is accurate. This inaccurate reporting has affected me and not allowed me to get a much need apartment to house my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I applied for a {$21000.00} loan through prosper they had me preapproved but still had to go through the finalize as I was adding my bank account information. It redirected me to another page stating my account was suspended. Then they ran my credit report after I inquired, as to why my account was suspended and why they ran my credit. They told me that I was denied due to information on my credit Report. I then went onto their webpage and looked at their reviews, and they have done this to numerous consumers which I believe is wrong to do. I found this lender on XXXX XXXX, which told me I had an outstanding approval odd That was a lie as well. I feel like these companies should not be able to do this to Consumers have them jump through the hoops, then run their credit score and Then suspend their account without notifying them that they were denied.

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 2024-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed an inquiry on my credit report from the above company.

According to the FCRA this item should have been removed permanently.

15 U.S.C Code 1681 i ( 7 ) states there should have been an explained reinvestigation involving the hard inquiry and I have not received anything.

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 2024-06-27 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-27 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation