vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: NJ

Complaint narrative:
In regards to my dispute on numerous occasions, the agency is requesting information that I have already provided along with proof of inaccuracy. The credit reporting agencies are assuming that I am not the consumer making the requests.This request is prolonging my ability to move 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 non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: OH

Complaint narrative:
Kindly ensure the elimination of these erroneous accounts from my credit report as per XXXX XXXX It is imperative that these inaccuracies are addressed without delay.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I started paying my loans with AidVantage in XXXX of 2023, then applied for XXXX and the XXXX plan in that same month. Due to this, my loans were going to be transferred to a new servicer. The transition wasnt finalized until XXXX when my first payment with XXXX was due. 

During the time that my loans were being transferred, AidVantage continued to charge me through autopay, but had deactivated my account so I couldnt turn them off. I called them in early XXXX to have these turned off and to be refunded and the first person confirmed he saw the payments and a refund would be issued within XXXX weeks. I hadnt seen a refund, so I called again. The second person said it was being investigated, so they told me to call back. I called again and they said they couldnt find the payments in their system and said XXXX was responsible for the payments, but they werent even my servicer yet. 


I see on my bank statements that Aidvantage was the company to take it out each time. They did not apply my payments to my student loans either. This was around {$1000.00} worth of payments that I have not been able to get back and that Aidvantage just has.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting an account that is not mines, the debt collector that's reporting this account has an incorrect social security number

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 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
I attempted to send cash internationally, XXXX refused to process the request saying they were protecting me without any claim by me to Moneygram. They have no right to interfere with my international transfers as long as they are compliant with Federal Laws. I want Moneygram 's Business license to operate terminated as a result of these denials. 

I accept all risk for my transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

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 2024-04-17 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: SC

Complaint narrative:
I am writing to you regarding the personal information listed on my credit report, which I believe to be inaccurate. After thoroughly reviewing my credit report, I have identified discrepancies that require your attention. I have sent multiple letters to your bureau about this matter, but as of now, I haven't received any positive feedback from them. I am now filing this complaint on your website, hoping there's a big chance to resolve this matter. 

The following inaccuracies in the personal information are listed below : EMPLOYER : XXXX EMPLOYER : XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I hereby request that you investigate these discrepancies and promptly remove the inaccurate personal information from my credit report. I have enclosed copies of documents supporting my claim for your review.

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 2024-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hi, I purchased my XXXX XXXX XXXX in XX/XX/XXXX brand new at that time. I've been paying on my car and making payments, on up until the end of XXXX XX/XX/XXXX I became severely XXXX, not only did I catch the XXXX, I had the XXXX, and a XXXX XXXX XXXX XXXX all at the same time, my symptoms were so severe that I was XXXX  for eight weeks, I have doctors statements to prove it, my XXXX  cause me to be XXXX XXXX XXXX XXXX XXXX XXXX, every step of the way I called, I also called and explained to them I was denied of unemployment 3 times, fast forward to XX/XX/XXXX, I made two payments in XX/XX/XXXX, my only two payments that I received from XXXX, I didn't pay my rent prior, I paid CapitalOne Auto finance company first. Prior to me making the payments I was extremely detailed, I wanted to be reassure that my car wouldn't be repossessed, I was told by multiple representatives at CapitalOne auto finance that I had thirty days before my car will go into repossession, fast forward to XX/XX/XXXX my car was repossessed before thirty days with all my identifications in the car, along with my mailbox and my groceries in it. My car was almost paid off, the CapitalOne auto finance company representatives scammed me out of my monies, I was bamboozled, hustled, and taken advantage of. The company knew I was going through extreme severe hardship, and CapitalOne auto finance played on my vulnerability, my desperate needing for my car, and my weakest. 
I'm requesting for my car to be returned back to me, and to be giving the thirty days I was told I had to pay over the phone by CapitalOne auto finance representative, please, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received a {$50.00} prepaid AMEX gift card as a graduation present in XXXX of XXXX Card says expiration date of XX/XX/year>, Ive tried to use it multiple times, all with purchases UNDER {$50.00} and doesnt work. Followed advice found online to try to add to my XXXX wallet and still doesnt work. What is the point of a prepaid card if you cant use it for anything!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been in the XXXX XXXX for over 14 years. Understanding the dynamic of how our DATA is used has been on my mind for years. Particularly during incidents where companies have data breaches. For extra security, on XX/XX/2019 I opted for a PERMANENT OPT-OUT ELECTION FORM. Recently my husband applied for a XXXX home loan and the amount of marketing and solicitation calls was beyond overwhelming for myself personally. How could all these people have my information if I opted out. In trying to figure out how my information was distributed, I received from my current lender XXXX, resulted in me understanding my information was still being sold by the credit reporting agencies. This is very disheartening because many companies have global means to distribute my information without me having any recourse. 

Additionally, I would like to file a complaint against XXXX but am limited to XXXX companies via this software. Please advise.

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 2024-04-17 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: MI

Complaint narrative:
Experian Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX on my credit report as a charge off collection account. I have never consented to having a business relationship with this creditor. This account is fraudulent. I have continually disputed this account with Experian.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a business account with my certification of formation along with my tax id both new and never used before. Some kind of early warning came up during account opening the branch manager came over assured me everything would be fine with the account then i get a call saying the account would closed on the XXXX of XXXX by the branch manager. The account is still open i cant access my funds the branch manager and other associates have been very rude and u helpful. I called customer service and they stated this was a branch level hold and the branch made the decision to close the account. My electricity has been off for days because they are holding on to cash i put in the account open it deposits have been returned and no one will answer my calls or help me the account is still open still allows me to sign in online they even sent me a debit card that i was able to activate but the branch manager has some kind of hold on cash that i put in the account the account was opened on XX/XX/2024 it is now the 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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX of 2023, I transferred {$1000.00} from my XXXX  credit card to my Bank of America credit card, XXXX claims they never received the {$1000.00} payment and BOA say they did pay the {$1000.00}. Since then I've been paying on XXXX separate {$1000.00} credit cards and 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 explanation
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information associated with my XXXX  Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, XXXX XXXX XXXX XXXX XXXX. I have fallen victim to XXXX XXXX  and have taken immediate action by reporting the incident. It is imperative to address this matter promptly, as it has had a detrimental impact on both my XXXX XXXX XXXX XXXX XXXX  I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information associated with my XXXX  Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX XXXX XXXX XXXX I have fallen victim to XXXX XXXX and have taken immediate action by reporting the incident. It is imperative to address this matter promptly, as it has had a detrimental impact on both my XXXX XXXX XXXX XXXX XXXX I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation