vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX of XXXX I purchased some things at bestbuy after our house caught on fire and we had to start over again. I did the 24-months promotion. 

The promotion was NO INT W/PYMTS FOR 24 MOS ( no interest with Payments for 24 months ). I've been making my payments way over the minimum amount so the excess amount will be allocated accordingly. 

I called them before and was told that it will be allocated and that the system may just have to update but for almost two years not a single dollar has been allocated to that amount. 

The original purchase amount was {$1700.00}, if I can't make a full payment by XXXX of XXXX they will charge me an interest of {$1200.00} because their system failed to work as it supposed to be. 

I am willing to pay what I owe but not the interest when it wasn't my fault. It seems like their system intentionally do this so they can charge me interest.

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am aware that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting. According to the law, I am entitled to {$1000.00} for each incorrect entry on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: AZ

Complaint narrative:
I am aware that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting. According to the law, I am entitled to {$1000.00} for each incorrect entry on my credit file.

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 2024-04-27 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: AZ

Complaint narrative:
I am aware that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting. According to the law, I am entitled to {$1000.00} for each incorrect entry on my credit file.

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 2024-04-27 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:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each erroneously reported item on my credit file.

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 2024-04-27 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
There is no customer service available ever and the deadline is approaching to consolidate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I have no idea why this is on my report. Ive had people getting jobs and opening all types of stuff in my name all over the country. I am XXXX by the XXXX. I am not going to school. Here is my FTC report as well as CFPB complaint since this issue was not taken care when I disputed through credit bureau.

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 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Does the customer wish to dispute the transactions ) Yes : the customer wishes to enter a dispute Name on Card/ Account XXXX XXXX XXXX Did the customer participate in the transaction? 
Yes, customer did participate Select reason for the Dispute Customer 's ATM Deposit did not post at all What was the amount of the deposit that should have posted to the customer 's account? 
{$500.00} What card number was used? 
XXXX Was the deposit made at a Huntington Bank ATM? 
Yes, deposit was made at a Huntington Bank ATM Does the customer have a receipt? 
No, customer does not have a receipt What date did the customer make the deposit? 
XX/XX/24 What time did the customer make the deposit XXXX Where is the ATM located XXXX XXXX XXXX XXXX XXXX Did the customer deposit cash, checks or both? 
Deposit was all Cash $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a cheque worth XXXX, which I received from my housing community as a security deposit refund. Chase bank is asking me to verify the cheque with the maker of the cheque. My housing community has policy to communicate via mails or written communications and Chase Bank has policy to only speak over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-27 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: NE

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: PARKSIDE LENDING, LLC
State: TN

Complaint narrative:
I am writing to file a formal complaint against Parkside Lending regarding their inaccurate reporting practices and potential violations of consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I discovered discrepancies in the information reported by Parkside Lending on my credit report. Specifically, Parkside Lending has inaccurately reported a 30-day late payment for XX/XX/XXXX, despite not holding my loan during that period. My loan was transferred from Parkside Lending on XX/XX/XXXX, making it impossible for me to have had a late payment with them in XX/XX/XXXX. 

This false reporting by Parkside Lending has had severe repercussions on my creditworthiness and financial standing. The inaccurate late payment entry has unfairly tarnished my credit report and has the potential to affect my ability to obtain credit or loans in the future. 

I have attempted to resolve this matter directly with Parkside Lending but have been met with resistance and insufficient action to correct the inaccuracies on my credit report. Despite providing evidence of the inaccurate reporting, Parkside Lending has failed to take appropriate steps to rectify the situation. 

I believe that Parkside Lending 's false reporting of a late payment constitutes a violation of my rights under the FCRA, which mandates that information reported on consumers ' credit reports must be accurate, complete, and not misleading. Parkside Lending 's failure to adhere to these regulations has caused significant harm and distress to me as a consumer. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take necessary enforcement action against Parkside Lending for their inaccurate reporting practices and potential violations of consumer rights under the FCRA. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and ensuring that consumers are protected from inaccurate and unfair reporting practices by financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: CA

Complaint narrative:
There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 2024-04-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: TX

Complaint narrative:
I just checked my credit report and found fraudulent accounts on it. Could you please remove these accounts? They're negatively affecting my ability to obtain credit

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 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've consistently made sure payments are on time for this account, avoiding any overdue situations. I'm puzzled by reports of late payment remarks on my accounts and seek clarification. As per 15 USC 1666b, billing errors should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

Complaint narrative:
I've always made sure payments are timely for this account, never allowing them to be overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

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 2024-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent the company a cease and desist. This company has refused to adhere my complaint and do anything about it. They ignored my requests by phone, email and letter. Please have this company cease and desist the INACCURATE information on my credit report. They have things in collections that I reported fraud. My first name, middle name, last name are all incorrect. 

. Even the collection agency has an inaccurate name for me in their system in my whole file. 

They have credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They continue to delete and then add these inaccurate accounts with my name spelled wrong and fraudulent accounts on report which is terribly messing up my credit I requested that Transunion Consumer Solutions remove inaccurate Alias names off my credit report. Also remove the collections which has the wrong Alias names on my account : XXXX XXXX, XXXX, XXXX, also my old marriage name ( " the know as '' Also remove the credit debt charged off my account because it doesn't belong to me anyhow. All these accounts are inaccurate. I have contacted the 3 credit bureaus by MAIL, their dispute website, and certified mail and I still see no results. They are clearly not adhering to the FCRA laws. Every time I try to get an application for credit for my business or personal. they say I have false and unmatched information on my reports. This is extremely frustrating. They are messing up my families life and business credit now. I need something done ASAP XX/XX/2024 and XXXXXXXX XXXX XXXX all sent certified on these dates. amounts included are XXXX  ) {$550.00} -- -- -- - 2. ) XXXX XXXX XXXX XXXX XXXX 3. ) XXXX -- -- - 4. ) {$8.00}

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 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
Fraud occurred on card on XX/XX/year>. They filed dispute but claimed a XXXX card is reg z. Fraud is reg e. They refused to provide access to funds during investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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:
I am aware that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting. According to the law, I am entitled to {$1000.00} for each incorrect entry on my credit file.

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 2024-04-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX, 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 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Payfare International Inc.
State: NY

Complaint narrative:
At XX/XX/24 at XXXXXXXX XXXX i am make the purchase at XXXX store for amount of XXXX $ and first one transaction was declined of system problems, them i was pay second time. I have the recipe on my hands that shows, that i have two transactions and the first one was declined. So i pay only once, and the manager of the XXXX provide for me Electronic journal report, that they charged me only once for my purchase. But the dasher direct bank charged me twice. Them i call them many times, and they ignored me/dont want solve the problem/dont want to listen to me. And every time just hanging up the call. I have the recipe of purchase and the store payment report on hands. The store didnt charge me twice. There is a problem on the bank side on dasher direct bank of XXXX organization which actually in charge with Payfare International inc . They totally ignored me and dont even want try to solve this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$9500.00}

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