vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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: OH

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 explanation
Consumer complaint received 2023-10-11 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: VA

Complaint narrative:
XXXX has not updated TRANUNION and XXXX that my student loans have been paid in full and I can not get approved for a mortgage because the balances are still on 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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX has not updated XXXX and EXPERIAN that my XXXX  loans have been paid in full and I can not get approved for a mortgage because the balances are still on 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 explanation
Consumer complaint received 2023-10-10 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: NY

Complaint narrative:
My credit reports are showing a late payment error from XXXX. I never been late on any of my statements with them. This late payment error is bringing down my fico score unfairly and I need this corrected right away or I will be looking into filing a claim against them for defamation of my character.

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 2023-10-10 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: Nelnet, Inc.
State: CA

Complaint narrative:
My student loans are held by Nelnet. At the beginning of XXXX I applied for the SAVE plan. I received confirmation that they received my applciation and later they requested my pay stubs. I've sent them all the documents they requested in XXXX and have not heard back. My payments ar supposed to start in XXXX and I have yet to receive a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: NE

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed 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 explanation
Consumer complaint received 2023-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
An XXXX XXXX was reported to my XXXX XXXX on XX/XX/2023. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via XXXX XXXX Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS XXXX Mail : XXXX - Delivered XXXX This Creditor had No Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: MS

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Last year, XX/XX/XXXX, I was alerted of fraudulent activity on a Truist account ending in XXXX that I was the custodial parent/joint owner on with my daughter, XXXX XXXX XXXX My daughter was physically in XXXX, NC at the time of the fraudulent activity and I was physically in XXXX, NC. My daughter and I separately called Truist to report the multiple fraudulent incidents that were occurring due to her lost debit card. We were told the fraud department would investigate. I physically went into the XXXX, NC Truist Branch location and spoke with a relationship named XXXX, who additionally called their fraud department and requested they look at ATM cameras to complete the investigation. I also attempted to file a police report but was told by XXXX NC Police department and XXXX NC police department that my daughter would need to do this wherever the fraud occurred. We could only see transactions in XXXX, NC and upon going there, they told us we needed to dispute charges with Truist bank. After almost a year of going back and forward with Truist, we were notified by letter that we both were responsible for the over-drafted account in the amount of {$5000.00} and the account charges were sent to a collection agency. I have called Truist repeatedly, being transferred to the fraud department, spending multiple hours trying to rectify this situation to no avail. I am not responsible for fraudulent activity on any bank accounts I have EVER had and need your help in rectifying this fraudulent matter. On XX/XX/XXXX, my personal checking account ending in XXXX was " force debited '' {$1400.00} to which I went to the bank and they say was to cover the charge off account ending in XXXX which was victim to fraudulent activity but an unknown person ( s ). All I have in possession at this time is the information of the account transactions on the bank account and my multiple statements to the physical Truist bank. I can mail this information to you. I would like for our names unattached to this fraudulent activity. I have banked with Truist for almost 20 years and would never attempt fraudulent activity! I have made numerous calls to Truist and went into the office with no one resolving the issue. They simply keep transferring us to the fraud department which either hangs up or gives no answers. My daughter also visited Truist bank in XXXX, NC where she was residing at the time and called repeatedly with no resolution as well! There has been no follow up to us and we have been charged for someone else 's fraudulent activity against our joint account. I would like all money that we deposited or internally debited from us by Truist returned to our accounts IMMEDIATELY. Please help!

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 2023-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX a cousin tried to send me By XXXX {$500.00}, to my Capital One account, and the bank blocked my accounts ( saving and checking ), I called and they unblocked them The same happened again and when I contacted the bank by phone they informed me they decided to close my accounts. They don't give me a reason, and that makes me feel bad because I know that I haven't done anything wrong, that makes me feel like a criminal by preventing me from moving my accounts and even communicating with them ( if I want to follow up on the matter, I have to go personally to the offices because they don't even answer my calls because my accounts have a 'problem ', and I can't do anything through the bank 's app either ). A month ago I went to the offices and the person who assisted me could not give me any more response than that " they were investigating the case '' that they Dont have a time for answer, it has been 2 months and nothing has happened. If they, for whatever reason, do not want me as a client, that is fine, they are within their rights ; but I am within my right to receive the money that belongs to me. What they are doing seems very unfair to me. The representative told me that when I closed the account within 10 business days I would receive a check with the amount in my accounts and it has been 2 months, I have needs to attend to. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
An Unauthorized Inquiry was reported to my Consumer Reports on XX/XX/2023. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XXXX This Creditor had No Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, 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 2023-10-10 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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-10 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : 1. XXXX XXXX XXXX 2. XXXX  XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXX XXXX 5. XXXX  XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX, I did a wire transfer in the amount of XXXX XXXX to my American Express platinum card to further my my credit spending power to purchase a car that I ordered. Also to secure my reward points of XXXX. However, the car dealership would not accept the card payment in that amount due to the fees they would incur. On XX/XX/XXXX I requested a refund via wire transfer to my account, as I have not been able to secure the down payment for the vehicle until I am refunded. Amex originally told me that due to the amount of the refund, it would take 2-3 days for the transaction. I called 2days later to check the status and was told the wire transfer would take 10 days from the XXXX XXXX XXXX. I then called another 3 days later and was told it would be 12 days from the day of this call. 
I requested for written policy on why the funds were being withheld. To no avail. Today is XX/XX/XXXX, called Amex to check status of refund and was told that it would be wired 10 days from today. I asked to speak to a Supervisor, who then told me, the transfer would be initiated XXXX XXXX XXXX XXXX XXXX XXXX and would deposit into my account XXXX XXXX 
I have been completely taken advantage of. I was able to speak to someone in the back office to get the wire trans for done. It took 2mins for the transfer to hit Amexs acct and for them to credit my account within 20 mins. 
I call to have my transfer escalated and no such back office is available to a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I am being continuously contacted by XXXX XXXX XXXX. I spoke to a company representative on XX/XX/2023 XXXX XXXX XXXX CST I told the representative to Cease and desist all calls at that time and have still been receiving calls continuously after the fact. The debt that they are trying to collect I do not owe and have reported this to the Federal Trade Commission as well as the Better Business Bureau. The company that XXXX XXXX XXXX is trying to collect for used shady business practices for an auto renewal contract to scam me. I was no longer able to use their services due to a XXXX and the company refused to refund me the money for a membership I had not used in over a year. I will be taking legal action to recover the money I am owed if necessary. I am providing this notice to XXXX XXXX XXXX to cease and desist phone calls to myself again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Corp Solutions Inc.
State: WV

Complaint narrative:
I have medical bill on credit about XXXX never had XXXX on my XXXX or in years. When called credit Corp they contact original place. Credit Corp clles bck an told me it wasn't mine. It was a males a XXXX birthday day an my signature was not on papers. I never got request on papers showing me how I'm am suppose to pay for debt. Credit Corp never sent me anything tht I am reliable. I have a data breach letter that my info was hack. For a debt that isn't mine. I get to deal with all this extra with out provide documneta I'm ontitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: GA

Complaint narrative:
I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

Company response to consumer: Closed with explanation