vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this XXXX on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this XXXX  should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX charged {$1100.00} to my Barclays XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX for two flight tickets to XXXX. XXXX was the booking number. The flights were on XX/XX/year>. On XX/XX/year>, XXXX XXXX cancelled the flights. I contacted XXXX to request a refund on both tickets. I heard nothing from them and after many attempts was unable to get through to anyone despite holding for hours. I then contacted Barclays, because XXXX said that Barclays was servicing the credit cards. Barclays initially credited the refunds to the credit card account but then reversed the credit. At first, Barclays said that we cancelled our flights. I sent copies of the email cancellations and then a letter confirming that XXXX cancelled the flights. Then Barclays said that it would not credit the account because XXXX was not paying the refund to Barclays. I sent Barclays a letter from XXXX stating that XXXX had refunded the money to the creditcard holder which sure wasn't us. Then Barclays told me that they would not refund the one ticket. It was always two tickets to be refunded. I sent multiple letters detailing the transactions and cited 15 USC Chapter 41, Subchapter I, Part D : Credit Billing which covers services not delivered. Barclays refuses to refund the tickets and is apparently holding the refunds from 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 2024-02-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
This is my second notice regarding the inaccurate items that are being reported on my credit. Up until this point the agencies have ignored me and my requirements of them, which are to make sure that the items and information that they are reporting are entirely accurate. This is wreaking havoc on my life as I have to continue to reach out to the agencies in order for them to do their job.

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 2024-02-13 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: IL

Complaint narrative:
To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.

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 2024-02-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. XXXX XXXX and 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 explanation
Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: TN

Complaint narrative:
Westlake prortfolio is not willing to rectify the situation by fixing my car, all they state is that there a collection agency. I have spoken with the warranty department on XXXX XXXX and he stated they only fix mechanical issues and this doesnt fall under the scope. My car is essentially a boat right now, when is rains water constantly pours from the ceiling onto the dashboard the center console and the passenger seat. The water also leaks from both the passenger and driver door causing water to seap into the floor which you can hear what seems like gallons of water underneath the floorboards when driving, swishing back and forth. It is now a moldy smell and I cant drive it with my children in the car and I have to wear a mask as it is my only means of transportation and they still expect me to pay my car note. They have not tried to get my car fix and all they keep telling is that theres nothing they can do as well as when I asked them to furnish my contract with there name on it they sent me my old contract with US AUTO SALES, or US AUTO SERVICING ( whom has since been shutdown as of XXXX ) and nothing stating that I had to pay them so Im assuming thats why they are not trying to take any responsibility to trying to fixing my car. 




So far I have paid {$2200.00} and they keep threatening to reposs the car and continue to tack on charges stating I have to pay this amount or they will take the car. 


I have constantly asked for an auto contract with them signed by me and they havent produced anything and now I am without a car due to the car having water damage that was not disclosed when I got the car from us auto sales on XX/XX/2023. 

Please advise on how to properly rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MI

Complaint narrative:
Subject : Urgent Complaint Regarding Federal Loan Servicer and Repayment Plan to Consumer Financial Protection Agency Consumer Financial Protection Agency [ Your City, State, Zip Code ] [ Date ] Dear Consumer Financial Protection Agency, I am writing to bring to your attention a concerning matter regarding the handling of my federal student loan by the loan servicer during a transition and the subsequent difficulties I have faced in the application for an income-driven repayment plan. 

Having recently completed XXXX XXXX in XX/XX/2023, I promptly applied for the XXXX XXXX. However, my loan servicer shifted from XXXX to MOHELA, resulting in a series of issues with my application for the income payment repayment plan. Despite numerous calls ( XXXX thus far ) and attempts to seek resolution since XXXX, the processing of my application has not progressed, leaving me in a state of uncertainty. 

Every time I have contacted the servicer for updates, I have been provided with a standard response indicating a XXXX processing time. Regrettably, it has been almost XXXX months, and I am still without any concrete information about the status of my application. Furthermore, my attempts to speak with a supervisor have been consistently unsuccessful, leaving me without a higher authority to address these concerns. 

In addition to the protracted processing time, I have encountered difficulties in navigating the forbearance process. This has added to the overall frustration and anxiety associated with my student loan management. 

I believe these issues are not only impacting my financial stability but may be indicative of broader problems within the loan servicing system. Therefore, I am seeking the assistance of the Consumer Financial Protection Agency in investigating and addressing these concerns promptly.

I appreciate your attention to this matter and trust that the Consumer Financial Protection Agency will take the necessary steps to ensure the fair and efficient resolution of these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV, XXXX, RESURGENT DEBT COLLECTION AGENCIES TRYING TO COLLECT DEBT FROM A CHARGED OFF ACCOUNT WITHOUT PROVIDING 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-13 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: U.S. BANCORP
State: GA

Complaint narrative:
On XXXX of 2023, I first noticed that my credit score was very lower than what I expected. I never had any late payments or outstanding balances. I went to XXXX  and saw there are some accounts I have never applied for. I reached out to those companies and informed that these accounts don't belong to me, and I have never applied for these accounts. Some of them informed me to start dispute with credit bureaus, and they gave me their own case number. However, as time goes, US BANK never replied me back or called me. I started dispute with my credit bureaus, but they came back with result saying it is valid account. I still tried to call them, but US BANK repeatedly informed me they can not help me because they can not verify me. How do I know what information was used when imposter used to open this account? I have been trying to contact US BANK, but they never provided me case number, just saying I should contact my credit bureau. HOWEVER, when I did that, my credit bureaus came back and told me that it is valid account. I am not sure what can I do at this point.

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My Citi credit limit has been reduced twice in 3 months, with detrimental impact to my credit score. The first time was mid XX/XX/XXXX, the second time was today XX/XX/XXXX. I did not use the card last billing cycle, and most recently paid almost double the minimum payment. 

I have never been late on a payment to this creditor. The reason theyve provided both times is that the reductions are due to information received from XXXX. I believe its due to high balances on credit cards.

Today, when on the phone with a manager from Customer Service Escalation, he indicated two different things : 1 ) that the decision is made by Citis Credit Department based on information from the credit bureau, and 2 ) that the decision was made by the credit bureau so I should contact them. 

He indicated that Citi could reduce my limit at anytime ( which I know and understand ) but when asked what criteria I needed to meet in order to prevent this from happening again, he said that it was confidential. He also said that they check every 6 months, but when I told him this has happened twice in 6 months he didnt indicate why or how that could be. 

I believe at the end of the call he said something negative about the likelihood of me being able to obtain credit elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: Credit Karma, LLC
State: IN

Complaint narrative:
I had multiple unrecognized soft inquiries that I had noticed after running my annual credit check. Credit Karma and XXXX ran credit checks every month last year multiple times throughout the month, and even multiple times per day. I also have a soft inquiry from XXXX XXXX on XX/XX/XXXX. I have a soft inquiry from XXXX on XX/XX/XXXX, and XX/XX/XXXX. I also received a letter stating that there was an unauthorized disclosure of my personal information that had occurred between XX/XX/XXXX and XX/XX/XXXX. It was leaked by XXXX which is a cyber security firm that contracts with XXXX, XXXX ( " XXXX '' ) to provide a secure file transfer software called XXXX. XXXX is a professional services company that provides services to hospitals and clinics affiliated with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ). As a result, I have concerns that my personal information has been leaked and someone may be using my social security number for anything or running strange credit checks causing inquiries since I do not recognize many inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Another complaint marked as duplicate when each complaint has its own merit AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
The problem started XX/XX/XXXX when a friend ( and roommate ) mistakenly sent me money for rent via Venmo using its Goods & Services option ( this is an option for sending money to businesses so that the transaction is insured ). The money that was sent to me was simply rent that was due so I could pay the landlord ( i.e. I am not a business ). This is relevant because of the new tax laws pertaining to payment apps like Venmo where users get taxed on the annual sum of business transactions if they exceed {$600.00}. Since the rent payment that my roommate was sending me was more than {$600.00}, I now am subject to paying taxes on it. When the payment was made, I worked with my roommate to have it refunded- this was the only action that Venmo could do. However, despite the refund, Venmo said there was no way to omit that transaction from the tax statement - apparently any transaction listed as Goods and Services ( even if refunded so that it basically doesn't exist anymore ) gets tagged and put on the tax statement. At that point, I simply had to wait until I received the tax documents so that I could then provide them all when reporting to the IRS ( by showing documentation that the transaction I am being taxed on was actually done in error, illustrated by the refund, I can support my case for not paying taxes on that amount. Fast forward to XX/XX/XXXX when I received my 1099-K from Venmo listing the transaction as something I needed to pay taxes on. I then searched for the monthly statement that would show that the transaction was refunded. However, I found that the monthly statement could not be used in this manner to prove that the transaction was refunded- the ID number and the timestamp for the transaction was not the same on the tax document and the monthly statement ( in fact, the monthly statement has it occurring in a completely different month due to the timestamp inconsistency ). This is problematic, because I can no longer use Venmo 's documents to show that the transaction was refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear CFPB, I find it unfair that the XXXX consumer reporting bureaus are reporting an account that was once marked as 'Current ' on my XXXX credit report. However, in XXXX, they suddenly tagged it as 'CLOSED ' and XXXX ' account. 

I don't understand how they processed their investigation, leading to the sudden addition of a late payment remark on these accounts, especially when I was never late with my payments. 

Due to their improper investigation of my credit report, I demand that they must promptly remove these accounts or update them to current status. 

XXXX, Account # : XXXX XXXX Account # : XXXX I have attached all the necessary proof in this complaint. Kindly assist me in updating my credit report to reflect the current status, correcting the inaccurately reported accounts.

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