vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.

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 2024-04-11 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX  XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: DISCOVER BANK
State: FL

Complaint narrative:
Please investigate this account. I don't believe this account is accurately reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
To whom it may concern : Attached you will find information Ive identified on my credit report that needs to be deleted from your records immediately.

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 2024-04-11 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-04-11 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: WA

Complaint narrative:
Subject : Urgent Complaint Regarding KeyBank National Association 's ErrorDear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a distressing matter regarding a significant error made by KeyBank National Association, which has had severe repercussions on my financial stability and overall well-being.On XX/XX/XXXX, I deposited a paycheck from XXXX totaling {$860.00} into my XXXX account. At the time, I was uncertain if the paycheck had been previously cashed out, but I trusted that such matters were within the purview of the banking system to manage accurately. However, approximately one week later, I was abruptly terminated from my job, which coincided with a series of unfortunate events involving my XXXX XXXX XXXX checking account.The error occurred when KeyBank National Association mistakenly directed funds intended for my XXXX account into XXXX XXXX XXXX XXXX checking account instead. This erroneous transfer caused significant disruptions to my financial obligations, resulting in overdrafts and ultimately the closure of my XXXX XXXX XXXX  checking account due to insufficient funds.Moreover, this is not the first time I have encountered such challenges with banking institutions. Previously, XXXX XXXX closed my checking account citing concerns of fraud, exacerbating my financial predicament.The inability to access a checking account has severely hindered my ability to manage daily expenses, particularly as I rely heavily on online shopping for essentials such as food, groceries, and clothing. Additionally, the loss of employment coupled with the financial turmoil caused by KeyBank 's error has left me in a precarious situation.I am deeply troubled by the repeated mistakes made by KeyBank National Association, which have had profound consequences on my financial stability and employment status. I implore you to investigate this matter urgently and take appropriate action to rectify the error, as well as provide assistance in restoring my access to banking services.Thank you for your attention to this matter. I eagerly await your prompt response and resolution to this pressing issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.

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 2024-04-11 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX was submitted on XX/XX/2024 and I have not yet received a response.

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 2024-04-11 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: MA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX was submitted on XX/XX/year> and I have not yet received a response.

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 2024-04-11 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 never missed a payment and have been in good standing, despite staggering loan amounts and questionable forbearance practices by my lender that caused my loans to balloon well beyond their normal value. 

Going from 8.99 % to 15 % in a matter of a few months is ridiculous and also coincided with weekly mailers trying to urge me to use Navi-Refi . It seems like they jacked my rate as high as they could in an effort to get me to refi so they could cover their risks of canceling my loans. Had I met the default criteria, my loans would have been discharged as a part of the multi-state settlement from litigation over forbearance practices and other questionable behaviors.

All of this aside, I tried to go through the proper channels to get a rate reduction, but I was denied because that wasnt available at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of 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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.

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 2024-04-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
There was an unauthorized pay a friend transaction posted to my account on XXXX in the amount of {$450.00}. Sofi was contacted and my account was put on restriction. Sofi investigation team determined my husband 's account was hacked and found an email on his account details that did not belong to either of us. We changed our passwords and sofi told us there was no time frame for the investigation to be finished and to just keep checking back. My husband and I both called sofi to do the identity verification checks. On XXXX I logged into my account to check if anything has been updated and found XXXX more unauthorized charges were pending in my account for {$650.00} and {$270.00}. I immediately called sofi customer service because my account was supposed to be restricted so I was confused on how someone could even pull money from the account. Another dispute was created and they assured me the charges were pending and they would deny authorization because of the restricted account. The charges indeed went through and the money was removed from my account on XXXX. I contacted sofi again and they opened a dispute on the charges. The dispute was closed on the same day with an email stating they investigated the charges and they do not consider the charges to be fraud and will not be refunding the money to my account. They will not transfer your call to the investing team, or management, or anyone higher than the customer service rep who answered the call. They can not provide more detail than they see a dispute open, and change your password. They do not have a time frame for when an investigation will be completed. They do not properly investigate the cases or allow you to submit any documentation proof that your account was hacked or that money was stolen. I have attached a copy of the phone number saved to my husband 's profile that was being used to access his account. The phone number does not belong to either of us

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-04-11 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year> and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding a credit account that originated with XXXX XXXX XXXX  and is currently in collections. The account in question has been subject to fraudulent activity, and despite repeated attempts to address the issue with the bank, the matter remains unresolved. 



The fraudulent activity on the account was first identified on XX/XX/2023 Following the discovery of this fraudulent activity, I immediately placed a fraud alert on the account and began communicating with XXXX XXXX XXXX  to rectify the situation. Over the course of XX/XX/2023 to present, I have sent several letters to XXXX XXXX XXXX  detailing the fraudulent charges and requesting that appropriate actions be taken to address the issue. 



Despite my repeated efforts to resolve the matter, the account remains in collections, and XXXX XXXX XXXX  has not taken sufficient steps to rectify the situation. I have diligently followed the necessary procedures and provided all relevant information to XXXX XXXX XXXX, yet the issue persists. 



I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that the appropriate actions are taken by XXXX XXXX XXXX  to address the fraudulent activity on the account and remove it from collections. 



Thank you for your assistance in this matter. I look forward to a prompt resolution and appreciate your attention to this important issue. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: Capio Partners, LLC
State: FL

Complaint narrative:
AssetCare LLC is furnishing a negative item via my consumer report which is causing harm to my financial reputation, my character, my credit worthiness and has caused me to be denied several extensions of consumer credit in which I can not enter into consumer credit transactions for personal, family, or household purposes. I have never given them permission to access any of my information. I received a letter in the mail from them stating that they bought my collection from XXXX XXXX XXXX and it has my private information like my name and address included. My privacy has been invaded because I never gave them my individual information and that is a violation of 15 U.S.C. 1692 ( a ). I have never gave them direct consent to communicate with me in any way in regards to this alleged debt and that is a violation of 15 U.S.C. 1692c ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MD

Complaint narrative:
I originally disputed this debt with the credit bureaus and it came back as verified. However, the company has not responded with the information that I requested that proves that they own this debt and collect it. They were given 30 days to respond with the information and have failed to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

Company response to consumer: Closed with non-monetary relief