vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: GA

Complaint narrative:
In a previous dispute, the demand stated that the information should not be re-reported within the consumer report. In addition, XXXX XXXXXXXX XXXX  has been issued, received, and acknowledged the cease and desist order. According to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) a consumer report is a medium of communication and thus subject to cease and desist requirements. There should be NO updated information from XXXX XXXXXXXX XXXX about this account within my consumer report whatsoever as it is a violation of consumer law and a violation of the standing cease and desist order. 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Equifax has 15 days to investigate and remove these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
I was shocked to see unauthorized inquiries on my credit report this morning without any explanation. I checked my report like I always do, but this time there were unexpected discrepancies. Refreshing the browser didnt helptheyre still there. Please review the documents I provided thoroughly so that I can feel confident this will be resolved permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX ETH from my PayPal account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-05 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: TX

Complaint narrative:
This morning, I was shocked to find incorrect accounts on my credit report. I review my credit often, and everythings been in orderuntil now. I thought maybe it was a browser error, so I refreshed the page, but nothing changed ; the inaccuracies were still there. This whole experience has been distressing, and Im requesting a thorough check of my documents so I can have peace of mind moving forward.

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 2024-11-05 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:
There are two issues here. One is straight forward : The Capital One online payment system was down for hours, so I unable to pay my bill. When I was able to pay, I was apparently after the payment cutoff time, so they assessed a late fee. I called to have this reversed, citing is was unfair for me to be penalized for their system failure. Their response to me was that I should have paid earlier to avoid the fee, and that they could not reverse it due to it not being an " emergency. '' I don't know how they decide what an " emergency '' is and the agent was not able to explain. They just dogmatically refused to refund me for their technical errors. 

The second is earlier this year I took a cash advance under the impression that there would be a one-time fee for this advance and that the amount of the advance would be added to my credit card balance. When I called about the fees I was seeing on my statement every month, I was told I would be paying cash advance interest on this amount for as long as I had a balance on my credit card. This is extremely confusing, and nowhere did they make clear to me that there would be no delineation between purchases and the cash advance, and that purchases must be paid off FIRST before Capital One would pay off any of my cash advance, and that I would therefore be paying interest on this one-time advance until I could pay off my credit card in full. 

Had I known that I would have NEVER taken out a cash advance. I have now paid {$70.00} on a {$300.00} withdrawal and I will continue to do so until I can pay off a nearly {$4000.00} bill, and there is no way to pay off this cash advance balance other than paying my entire bill. I have read over my statement, where they tell me this language appears, and I have read over their FAQ here : XXXX XXXX XXXXcapitaloneXXXX Pretend for a moment you know nothing of cash advances -- is that clear? Because I knew nothing of cash advances, and that was not clear to me. 

Many consumers don't know how cash advances work, and rely on the information provided by the company to make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-05 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: NJ

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

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 2024-11-05 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:
I asked TransUnion to block and remove all inaccurate/fraudulent accounts from my consumer report, they ignored my communication the first time, I tried to contact them again a second time they never responded. i recently made another dispute through the cfpb stating my rights i have and how they must obey them, or I'll be taking legal actions. they responded back to me basically dening my request. They basically said cfpb is a third party, that I didn't authorize to dispute through which is incorrect i did dispute through cfpb because i could get anybody to help me with my old communications and dispute going straight to TransUnion. They are still refusing to give me my fair credit reporting rights as a consumer by reporting inaccurate/fraudulent information on my credit report which is illegal. They are furnishing data monthly that is assinating my character i cant get a job I'm homeless I'm having mental break downs behind this. if my rights are not met i have other choice but to take legal actions towards TransUnion.

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 2024-11-05 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 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 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 XXXXXX/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 explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon inspection of my credit report, I noticed several accounts that seem to have been added without authorization and are inaccurate. I ask for these fraudulent entries to be blocked and removed at once.

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 2024-11-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I called four times on XX/XX/year> to withdraw funds early from CD. Agents all said they were unable to access my account with no instructions on how I can access account. NO issues with account. Simply their system was " freezing '' and didn't know how to let me process request. I am unable to do so online either. Unable to withdraw funds.

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 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why theyre there. When I checked my report as usual, I was surprised to see unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the inquiries remained. I urgently request a thorough review of my documents to prevent this from happening again.

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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had a fraud case cuz i applied for a loan and it happened to be a scam they went into my bank deposit checks into my account and my bank Td bank closed my account with out telling me and they didnt wan na give me my savings account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-05 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: TX

Complaint narrative:
Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2024-11-05 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: TX

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-11-05 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: NY

Complaint narrative:
I couldn't believe it when I saw inaccurate accounts on my credit report today. I check my report often, so I never expected this to happen. I even thought it might be a browser glitch and refreshed the page, but the mistakes didnt disappear. Please review the documents Ive submitted carefully, so I can finally have peace of mind.

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 2024-11-05 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 writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am really frustrated to see unauthorized inquiries on my credit report without any explanation. I checked my credit report as usual, but this time, something was clearly wrong. Refreshing my browser made no difference. Please carefully review the documents Ive submitted so I can avoid this hassle in the future and stop worrying about 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 2024-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MI

Complaint narrative:
I have multiple loans through Mohela. In XX/XX/XXXX I qualified for PSLF under the most recent guidelines. I was informed 1/6 loans were forgiven. Though loans should have qualified I was told that the employment verification for the 2nd loan had not been submitted. I have submitted this form 5 times, and it is the same employment information as the first loan that was forgiven. 

I was told in XXXX of XXXX that Mohela loans were being transferred through student gov and I had to wait until that transition was complete. I was told in XXXX that there were two Mohela platforms, the old one and the new one that had loans through student loan. My old loan was found and determined that I had a {$510.00} credit that should be awarded to me. I spoke with a manager a few days later that said the person that submitted the form for a refund did it incorrectly he would update the information. 

I called and spoke to someone in XXXX, XXXX and XXXX. I am told I should be getting the refund but it never comes. 

In XX/XX/XXXX I did get notice that the 2nd loan was forgiven, but no information on if refund will be awarded. 

I have been owed a refund since XX/XX/XXXX I have called at least a dozen times, I have filed 3 complaints on the student gov website, to no avail. My complaints have been deleted or ignored. 

As of XX/XX/XXXX I am unable to log into my account online, it says I have the wrong password which I infact do not. I clicked to reset password and computer screen does not go past the forgot password screen. 

I would like to have a refund that I am owed for both loans, but will settle for the first loan refund as the other loan may need time to process. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Approximately 5 weeks ago I contacted Equifax to remove a non-mailable addresses from my credit report, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and 16 CFR 313.7 ( f ), and as of today they have not provided any assistance in the matter.

Company response to consumer: Closed with explanation