vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Carmichael & Frost LLC
State: KY

Complaint narrative:
The debt collection agency called me on XX/XX/year> around XXXXXXXX XXXX  claiming that I owed money to a creditor. I do not recognize this debt. Upon being sent documentation of the debt, it is well outside of the legal statutes of limitations in the State of Florida ( the state where the contract was signed and all documentation was addressed to ). 

Every communication I've had with them has come with empty threats of a lawsuit, likely in an attempt to get me to admit to the debt to reset the statutes of limitations. 

I sent them a cease and desist letter stating that I do not recognize the debt and their own paperwork shows it's outside of the statutes of limitations, but their response was to send me an email claiming I'm being referred to an attorney to be sued and have liens placed upon my property unless I pay.

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 2024-08-26 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: AL

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 2024-08-26 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: FL

Complaint narrative:
I will never stop refilling complaint to the EXPERIAN for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year> and XXXX XXXX, alongside with this complaint is the identity theft report number XXXX.They allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
I

am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of

a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-26 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: NY

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 explanation
Consumer complaint received 2024-08-26 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: WY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-08-26 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: EQUIFAX, INC.
State: WY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I have an XXXX XXXX XXXX ( AAdvantage Aviator Red Mastercard ) managed by Barclays bank. On XX/XX/2024, I noticed a charge from XXXX XXXX for {$1900.00}. I did NOT purchase anything from XXXX XXXX ( no flight, nothing ). So, assuming the charge was fraud, I disputed the charge, locked/replaced the card. I assumed that was the end of it. On XX/XX/2024, Barclays put the charge back on my credit card balance, they sent an e-letter to me stating they confirmed with XXXX the charge was legitimate, Barclays said this was for a flight though no information was or could be provided to me by Barclays substantiating this. So, I called XXXX XXXX to see if I could get a " refund '' for a flight I neither purchased nor took. XXXX did tell me there was a flight from XXXX departing XX/XX/2024 under my name ( XXXX XXXX ) but no one actually got on that flight. Neither XXXX nor Barclays will refund or cancel the charge for a flight I never purchased. Again, Barclays manages this card for XXXX XXXX so someone at either company should be able to remediate but they are not. Right now, I have to pay this fraudulent or erroneous charge to protect my credit score. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX  ) with a family and can not afford to have money stolen from me by large wealthy mega-corporations.

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 2024-08-26 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: EQUIFAX, INC.
State: CO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a credit card with Capitol One. They have closed the account. However, there are a number of fraudulent charges on the account and I am also owed a CREDIT BALANCE of {$69.00} on the account. They refuse to give me that money. They have no right to my funds, which I have request they deposit in my checking account. In their written response, they state they will not refund the money because they will not compensate me for closing my account. This is NOT compensation, it is my money. I also have been robbed and there is a criminal action going on in XXXX XXXX. All my credit and debit cards and identification cards were stolen. I will have a report from the prosecutor this week. They refuse to allow me to dispute any items on this card or appeal their decision on past disputes. They say they have no access to my records. All my statements are there so this is a false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NY

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 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
On XXXX XX/XX/year>, I reached out to XXXX to ask whether I could pay my monthly bills ahead of time without penalty. I wanted to give myself a cushion in regards to the due date. I even provided an example to ensure they would understand what I was asking. I understand that my loan accrues interest daily so I requested an urgent response on official letter head. I even asked to be escalated to a supervisor, twice. I received XXXX responses, XXXX answered my question. I will only ever communicate with this company via email because every time you talk to anyone you receive a different response. The same is true for CFPB complaints, on my latest request I received false information regarding my monthly, per loan, breakdown. I followed up via email where they later took accountability and provided another breakdown ( will attached for record keeping purposes ). Had I called they would have never admitted to their own short comings. XXXX is an absolute NIGHTMARE of a company. I am making this complaint to get a clear and complete answer to my original question, as official CFPB complaints seem to be the only way to get a clear/official response, that holds them ACCOUNTABLE. My original email was posed as follows : I would like to make another payment this month. I would like this payment, and all subsequent payments, to go towards my next due date. 

For example, if I make a full payment today, XX/XX/year>, I would like this to count as my XX/XX/year> payment. If I make the next payment on XX/XX/year> I would like this to count as my XXXX XXXX payment. 

I ask that this be accurately REFLECTED on my account as it effects the due date. This will provide a cushion for myself when it comes to payments. Please advise if this is possible or if XXXX will not support paying this far in advance, preferably on official letter head. If XXXX will not support this request please provide an explanation as to why. 

Please note this is the same process I use to pay my car note and my lender has documented it as described without incident. 

I do not want to know an interest rate breakdown. I do not want to know that I can push my payment ahead XXXX months ( XXXX of the responses they gave me ). INSTEAD I want to know if I make a payment today that it will count towards the next payment owed ( XXXX ). If I make another payment tomorrow it will could towards the payment after that ( XXXX ) and so on and so forth. The basis of my intent is to give myself a cushion should I fall on hard times and need to take a personal pause later on. This will ensure I am paid AHEAD. Please answer the questions I ask and stop making up your own questions to stall time. Please train your staff!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc.
State: MI

Complaint narrative:
XX/XX/year> XXXX XXXX, XXXX sent a verifiable request to ADVANCED RESOLUTION SERVICES INC by certified mail for a copy of my FULL FILE DISCLOSURE including a copy of my US PASSPORT and a bank statement for address verification. XX/XX/year> I received a letter stating additional information was required. All information required to request a full file disclosure was submitted with the original request. Please review all attachments as this is a 2nd attempt to request my FULL FILE DISCLOSURE from ADVANCED RESOLUTION SERVICES INC .

Company response to consumer: Closed with explanation