vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: CL Holdings LLC
State: NY

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS, Is trying to collect a debt that is time barred and also reporting illegal and inaccurate information on my credit report. This is a violation of the FCRA, FDCPA and more federal and state laws and statutes. Also you can not report late payments on an open end consumer report. 15 USC 1666b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
On XXXX, XXXX, XXXX XXXX XXXX sent payment for medical XX/XX/XXXXgloves in amount of USDXXXX XXXX to XXXX XXXX XXXX XXXX Citibank , N.A . blocked this transfer pursuant to U.S. sanctions. 

On XX/XX/XXXX, the Office of Foreign Assets Control ( OFAC ) issued license XXXX for the following action : to process the transfer in accordance with the original payment instructions : " Citibank , N.A . blocked this transfer pursuant to U.S. sanctions administered by the Office of Foreign Assets Control ( OFAC ). OFAC has carefully reviewed the information presented and otherwise available to it in connection with this transfer and has determined that Citibank , N.A . is authorized to process the transfer in accordance with the original payment instructions. '' XXXX sent the license to Citibank and repeatedly contacted Citibank regarding this payment. CitiBank ignores XXXX 's requests. 

Our supplier still has not received the funds. We do not understand why the OFAC license order is not being fulfilled and the payment has not yet been executed. 

XXXX XXXX is engaged in supply of medical products. Thanks to its activities, a number of hospitals, including children 's hospitals, have been supplied with medical consumables. The retained amount is significant for us and leads to a shortage of working capital. 

We ask for your cooperation and assistance in making the payment.

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 2024-04-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NY

Complaint narrative:
This was all XX/XX/XXXX XXXX purchased an XXXXXXXX XXXX XXXX  off XXXX XXXX  for XXXXwhich is XXXX, the seller was tatted up I tried to get a response from the seller after I bought the phone. I sent him a msg that day he never responded to me XXXX XX/XX/XXXX I canceled the order. I went to XXXX help to let them know that I would like to receive my money they told me from me canceling the order that they never received my money I then went to XXXX to see why the transaction was pending and they told me because they're waiting for the seller to respond I told them that the seller never received my money because I canceled it.so they wanted documents that I submitted and they're still acting like that's not good enough.so now I'm here to fighting for money that came out of my own pocket

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 2024-04-19 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: IL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
I used a mortgage broker ( XXXX XXXX ) to refinance my home in 2020. In the process, my mortgage broker told me not to pay my mortgage payment to make sure the numbers on the refinance paperwork are correct. I voiced my concerns about a late payment. The mortgage broker stated that I had nothing to worry about because the payoff payment would not be past 30 days. I believe that the mortgage broker failed to act in a timely manner, therefore causing Caliber Home loans to submit a negative report to the credit reporting agencies. I have had a late payment on my credit report for over XXXX years now. I have tried repeatedly to get the companies to correct their mistake with zero results. The negative report, that was not my fault, has damaged my ability to get the financing that would be available if not for the inccorect report. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: VA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.

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 2024-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had an auto loan with Capital One and refinanced the auto loan with XXXX XXXX. I received and mailed off the payoff check to Capital One on XX/XX/XXXX. On XX/XX/XXXX, I called and asked if the check had been received & was told it was not. Mind you, it matters not when you mailed the check out, only when they acknowledge receiving the check. Every day that passes, additional interest accrues to the balance. Worried that the check was lost in the mail, I went to the nearest XXXX XXXX branch to get a second check and XXXX XXXX put a stop payment on the first check. Instead of mailing off the second check, I deposited the check into my Capital One checking account so that I could pay off the loan online instead. However, on XX/XX/XXXX, the account was closed & " paid off '' and I was unable to make a payoff payment. I called Capital One and informed them that the first check was no longer any good and that I wanted to make the payoff online. I was told that I would have to wait for the first check to return and the account to reopen. On XX/XX/XXXX, a representative assured me on a recorded line that although they could not accept a payment on a closed account, if I made the payment the day it reopened, no additional interest would accrue on the account and the payoff amount would be the same as the day it closed. With her reassurance, I did not call back again until the account opened back up on XX/XX/XXXX and an additional {$160.00} in interest had been added to the payoff amount. I would like Capital One to honor what was told to me on XX/XX/XXXX & receive a reimbursement of the difference. It was more than " XXXX business days '' before the account reopened, they refused to accept a payment from me on a " closed '' account, yet hefty interest was allowed to accrue on a balance that shouldn't have existed if they would've accepted a payment from me. I want transcript and/or a recording of the recorded phone call on XX/XX/XXXX if they will not honor what I was promised on the phone. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX XXXX, identified by the Account Number : 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 2024-04-19 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX XXXX, identified by the Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
According to the Consumer Report received on XXXX XXXX, 2024, there are inaccuracies on the consumer report. ChexSystems is continuing to report non-mailable address information. I have previously attempted to correct this information with ChexSystems , Inc. directly per their website in XXXX, XXXX, and again in XXXX of 2024, however, ChexSystems , Inc. continues reporting false and inaccurate information on my consumer report. 

Immediate deletion of the inaccurate non-mailable address is made.

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 2024-04-19 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: AZ

Complaint narrative:
Transunion is reporting a fraudulent account from XXXX XXXX on my credit report. On XXXX XXXX, 2024, I demanded validation of this debt, made according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, 15 U.S.C. 1681g, 1692g Sec. 809 ( 8 ) ( FDCPA ), along with the corresponding federal, state, and state laws. 

TransUnion did not conduct a proper investigation or thoroughly validate the information provided by XXXX. They only responded that it was a valid debt. This is impossible as this account was not opened by me or authorized by me to be opened. 

On XXXX XXXX, 2024, I sent a method of verification letter to Transunion per the FCRA section 611 and demanded items to validate the debt. Transunion provided no validation and or proof that this debt is mine.

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 2024-04-19 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: MD

Complaint narrative:
After reviewing my XXXX, XXXX and Equifax credit reports, I have identified some inaccurate late payments that needs reporting and correction through your company. Please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
During the time frame of XX/XX/2023 and XX/XX/2023 i applied for a mortgage loan while shopping for mortgage rates. My credit was pulled multiple times by the same company ( XXXX XXXX ) and those inquiries have all counts as separate inquiries although they were made within the XXXX day window and should have only been counted as XXXX inquiry. My credit report shows XXXX separate inquiries within that time frame and has caused my credit and XXXX  score to drop significantly and prevents me from obtaining fair credit by staying i have too many hard inquiries on my report and is considered excessive credit seeking. I would like these inquiries consolidated and the additional inquiries from this company within those XXXX days removed from my credit report. I was told by the credit reporting agency representative that these inquiries all count as separate attempts however, and my request and dispute has been denied.

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 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have a letter from their attorney, XXXX XXXX, XXXX dated XXXX XXXX, 2023 saying the debt was paid in full. They also returned a payment I sent saying it was overpaid. 

I have so much on this company and how unprofessional and unethical they were at handling my account. It would be impossible to list everything I have done to notify authorities that they have totally mishandled their methods of selling and installing said products. 

I just want the correct information reported to the credit bureaus as it negatively affects me. All accounts with this company were paid as agreed upon. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account that i attach bellow However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I Would like to report the suspected email which might be a scam email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Conn's, Inc.
State: TX

Complaint narrative:
I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with CONN CREDIT CORP/ CONN APPLIANCES INC . Upon reviewing my credit report dated XXXX XXXX, 2024, I discovered a derogatory entries that I were previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.

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 2024-04-19 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-04-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 explanation
Consumer complaint received 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have XXXX private loans with Navient associated with the XXXX XXXX, which the Department of Education deemed as a fraudulent school. All three loans originated at the end of 2005. The original principal balances of the loans are {$3500.00}, {$1000.00}, and {$500.00}. The current total loan balance is {$14000.00}. Considering the payments I have made on this account over the past XXXX decades, the principal balance has been paid back, but some.

Company response to consumer: Closed with explanation