vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: SC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion XXXX XXXX, which raises concerns about the security of my personal data.

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 2025-01-10 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-01-10 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:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

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 2025-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
They keep calling my place of employment multiple times a day even though the phone number isnt even listed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: FL

Complaint narrative:
I have spent the last 3 months trying to get in contact with MOHELA customer service but have gotten nowhere. Every time I call, no matter what time of day, I am told to wait for a basic representative which usually takes 1-2 hours. Then if I am able to get in contact with one, I tell them what I need and they say they have to transfer me to an " advanced customer service representative '' as they are not able to do anything themselves. Then I am on hold for another couple of hours. I have yet to speak to an " advanced customer service representative '' because the hold times are so long that I either have to hang up or they close and never get back to me. This has happened every single time I have called. Now I have overdue payments. I am actively trying to do something about them, but it is made impossible when there is no way to get in contact with a person who can actually do something about it. No adult has the time to sit on the phone for 5 hours everyday until their loans are figured out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
I have been trying to spend {$100.00} on my XXXX XXXX XXXX since around XX/XX/XXXX. I've attempted to use it at several different online stores and, every time, Amex declines it. 

I would like the {$100.00} as a check and then I will actually be able to go spend it. These gift cards are shockingly difficult to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX, XXXX and Trans Union is reporting a debt from XXXX XXXX, XXXX. I have already provided proof that the debt is more than XXXX XXXX XXXX, in XXXX of XXXX. Now in XXXX the old information reappears on my credit report causing severe harm.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX, Equifax and XXXX XXXX is reporting a debt from XXXX XXXX, XXXX. I have already provided proof that the debt is more than XXXX XXXX XXXX, in XXXX of XXXX. Now in XXXX the old information reappears on my credit report causing severe harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding Midland Credit Managements attempt to sue me for a debt that I have no knowledge of. I have requested information about the alleged debt from Midland Credit on multiple occasions, but to date, I have not received any sufficient documentation to verify the legitimacy or details of the debt in question.

Despite my requests for verification, Midland Credit has proceeded with legal action against me, which I find both unjust and troubling. I believe that they are attempting to collect on a debt that either does not belong to me or has not been properly substantiated. 

I respectfully request that the CFPB investigate this matter and assist me in resolving this issue, as I am not aware of the debt and have not been provided with adequate information to understand the basis for the lawsuit. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my rights are protected and that Midland Credit is held to the proper legal and regulatory standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo is a predatory bank. They have waged war on the poor. I am a struggling small business owner literally working myself to death to pay these pay bills. ( recent diagnosis of XXXX  from jobsite contaminates, XXXX, XXXX XXXX  and several other ailments my doctors are trying to figure out, not mention the various XXXX XXXX I suffer from that they have utterly failed to accomodate ) I have submitted several complaints in regards to there very personal retaliatory attacks on me. On several occasions they have cited computer failures making my payments late, can't find my account making my payments late, rude condensending employees making me so uncomfortable I have to leave the branch. Foreighn companies allowed to access my very personal information resulting in potential identy theft from known countries implementing active scams on the American people. All of these are tactics they discretely put in to place to charge absolute exhorbant late fees that make billions off the allready destitute and poor people. It's disgusting and it's a disgrace on the working class people who build this country and make it what is. With out people like me critical basic needs that move and drive this country wouldn't be met. Poor people can not pay there bills as is and sometimes we are late making payments trying to keep up with Inflation in one of the worst economies in history. This banks understands this more than they lead on and they capitalize on this oppurtunity in the form, not only fees, but crazy interst rates that keep us mired in debt. Iv enclosed screen shots of of my account and the payments iv made. They are at most maybe 2 or 3 days late. No grace period. No empathy, no nothing. Just a computer program that they balme for the immediate fees charged to 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 monetary relief
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: VA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2025-01-10 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents.

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 2025-01-10 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: SC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX XXXX XXXX, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NJ

Complaint narrative:
There is a collections account on both TransUnion and XXXX, XXXX XXXX, Ive disputed this account many times, this account is inaccurate its not mine, XXXX and TransUnion both refuse to disclose the investigation and both times come back and say results are consumer disputed in past verified and remained. This collection is not mine, Ive never had an account with original creditor, nor has the debt been verified

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 2025-01-10 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: NJ

Complaint narrative:
Between the month of XXXX and XXXX there was a natural disaster in NJ in XXXX. During the incident major flooding and storms I lost my home. I called XXXX immediately prior to any due payment to apply for their natural disaster relief which halts payment and is in a payment plan in which repayment is made before the next months payment and the subsequent month is paid as well. I was told from their representative that that was added to my account to allow me time from the natural disaster. Everything was fine it didnt reflect any issues then I had a report of negatively impacted my credit it was XXXX  XXXX XXXX reflecting a late/non payment. As part of the program they assured me that it wouldnt negatively affect my credit as I was in that relief program. I called XXXX XXXX XXXX to inquire about why the issue had appeared and they stated they were unsure and were going to correct it. They didnt I called again each time I called I had a different agent and this agent said they cant and wont do anything. This has negatively impacted my credit and remains I have called XXXX Ive filed a complaint and I have tried to dispute the inaccuracy of that as it is still affecting me. As part of the program they informed me that I didnt have to do anything and that with me calling and applying and providing information of the disaster and how it impacted me which I did over the phone and they were able to confirm. Now I have an issue where it shows 30 days late for the disaster month and no data when I paid on time per the disaster relief and I paid the next month prior as that month was not part of the payment relief so that was paid on time and all the months thereafter. My credit I have not had any late payments and I was part of their relief program as explained by their representative and it appeared on my fore account as well on my account portal. Now I dont have access since it was paid off they refuse to acknowledge the issue or correct it.

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 2025-01-10 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: NJ

Complaint narrative:
Between the month of XXXX and XXXX there was a natural disaster in NJ in 2018. During the incident major flooding and storms I lost my home. I called XXXX immediately prior to any due payment to apply for their natural disaster relief which halts payment and is in a payment plan in which repayment is made before the next months payment and the subsequent month is paid as well. I was told from their representative that that was added to my account to allow me time from the natural disaster. Everything was fine it didnt reflect any issues then I had a report of negatively impacted my credit it was XXXX  XXXX XXXX reflecting a late/non payment. As part of the program they assured me that it wouldnt negatively affect my credit as I was in that relief program. I called XXXX XXXX XXXX to inquire about why the issue had appeared and they stated they were unsure and were going to correct it. They didnt I called again each time I called I had a different agent and this agent said they cant and wont do anything. This has negatively impacted my credit and remains I have called XXXX Ive filed a complaint and I have tried to dispute the inaccuracy of that as it is still affecting me. As part of the program they informed me that I didnt have to do anything and that with me calling and applying and providing information of the disaster and how it impacted me which I did over the phone and they were able to confirm. Now I have an issue where it shows 30 days late for the disaster month and no data when I paid on time per the disaster relief and I paid the next month prior as that month was not part of the payment relief so that was paid on time and all the months thereafter. My credit I have not had any late payments and I was part of their relief program as explained by their representative and it appeared on my fore account as well on my account portal. Now I dont have access since it was paid off they refuse to acknowledge the issue or correct it.

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 2025-01-10 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:
There is a collections account on both XXXX and Experian, XXXX XXXX, Ive disputed this account many times, this account is inaccurate its not mine, Experian and XXXX both refuse to disclose the investigation and both times come back and say results are consumer disputed in past verified and remained. This collection is not mine, Ive never had an account with original creditor, nor has the debt been verified

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have several extremely legitimate complaints that, from what understand, should be addressed and answered within 10 days. I would request that this bank be investigated for faulire to comply with XXXX regulations in regards to these complaints. On sveral occasions iv simply been blatantly denied any real investigation and on some accounts I've been told that they will not even respond or thoroughly look into my complaints. One employee even told me " they will be opened responded to and immediately closed '' From what i gather and all the horrible correspondence and blatant arrogance this bank has conveyed to me they think they are to big for the government to handle.

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 monetary relief