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: 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 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: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted my complaint or dispute to TransUnion and XXXX last XX/XX/2024 about these accounts that reported negative/late. These accounts are paid in full and was never late. It should be deleted from my credit report immediately. This XXXX  and XXXX are reporting 100 % incorrect on TRANSUNION and XXXX. This account was paid and closed as agreed and on time. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also shows multiple accounts on the report with the same account number. The currently reported XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I APPLIED FOR AN AUTO LOAN AND WAS ADVISED THAT XXXX XXXX XXXX XXXXXXXX XXXX IS REPORTING A CHARGE-OFF TO MY CONSUMER PROFILE. THIS CREDITOR HAS WRITTEN THIS ACCOUNT AS A PROFIT/LOSS. I'VE CONTACTED XXXX TWICE PLEADING FOR THE 1099C TO BE ISSUED SO THAT IT CAN BE FILED WITH MY TAX RETURN. I'VE HAD NO SUCCESS AT OBTAINING THIS DOCUMENT AFTER NUMEROUS REQUEST. PER IRS, ONCE THE ACCOUNT IS CONSIDERED PROFIT/LOSS IT IS NOW TAXABLE INCOME FOR THE CONSUMER. 

THIS ACCOUNT IS NO LONGER VALID AND INCOME CAN NOT BE REPORTED ON TO A CREDIT PROFILE. I HAVE CONTACTED THE CREDIT REPORTING AGENCIES ATTEMPTING TO GET THIS RESOLVED. 

REPORTING INCOME TO MY CREDIT PROFILE IS IN VIOLATION OF 15 USC 1681E ( B ). THESE COMPANIES HAVE THE RESPONSIBILTY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER 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 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Citibank for arbitrarily blocking access to my bank account. This action has not only restricted my ability to manage my funds but has also prevented me from closing my account, which I sought to do based on this negative experience. 

Timeline of Events : XXXX of XXXX of 2024 : Noticed that access to my account was blocked without prior notification or explanation from Citibank. Attempted to log in multiple times throughout the day with the same result. 
XXXX of XXXX of 2024 : Contacted Citibank customer service to inquire about the reason for the account block. I was told that the issue would be reviewed, but no specific reason was provided during the call. 
XXXX of XXXX of 2024 : Followed up with customer service as I had not received any further communication regarding the status of my account or the reason for the blockage. The issue remained unresolved without a satisfactory explanation. 
Impact on Me : The arbitrary blockage of my account has caused significant inconvenience and distress, as I am unable to access my funds. The lack of transparency and adequate communication from Citibank has compounded my concerns, prompting my decision to close my account. However, the ongoing block prevents me from taking even this action. 

I am seeking immediate resolution to this matter, including full restoration of access to my account and a detailed explanation of why it was blocked. Additionally, I wish to proceed with the closure of my account following the resolution of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Information belongs to someone else
Company: EQUIFAX, 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 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 status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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: CA

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
I applied and was approved for a line of credit in the amount of {$3000.00}. I initiated a draw of {$1000.00} on XX/XX/XXXX. I did not receive funds. I called their customer service number and was told that although I did online bank account verification, my account number was incorrect and the wire did not process. Since that time, I have done several chats with customer service online and by phone and have been told that a wire trace was initiated. I've been told the trace would take 2-4 days, then 3-5 days. I have told the company I no longer want the loan and want my account balance to show XXXX before my first payment date of XX/XX/XXXX. Their standard response is that they will XXXX my account once funds have been returned but will not provide a copy of the wire trace request. My bank, XXXX XXXX, has said the wire would have been returned immediately for an incorrect account number. I have told the company, CreditFresh, that I will not make funds available for the payment withdrawal because I have not received the loan. They have repeatedly directed me to verify my bank account which I have done several times. It has been 7 days and I do not have the funds, they say the wire trace is done by phone and that they can not provide a copy. The bottom line is they say my payment with be withdrawn until they have proof that the funds have been returned. I have offered proof that my account was not funded and they will not accept that. My most recent phone call was XXXX and they said all they can do is " escalate '' to a supervisor for review but when I asked to speak to a supervisor I was told none are available.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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: Experian Information Solutions 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: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX sued me using XXXX XXXX firm for a very old debt that was not signed in the State of Arizona and the debt was cancelled in a Class action settlement with Santander who is the original company. 

XXXX did not give me proper notice and once I received notice it was for garnishment because the judge had pushed the lawsuit through without making sure XXXX actually served me for me to explain that the debt was old and canceled on a 1099-C.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I've recently reapplied for an XXXX XXXX XXXX plan for my student loans. The application is still pending. My provider, Navient, continues to call me multiple times a day and after hours.

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 purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Friday, XX/XX/XXXX at approximately XXXX I was walking with a friend in XXXX XXXX XXXX XXXX near XXXX XXXX XXXX we had a few minutes to grab food before we had to catch a train home, and we stopped at a food cart/vendor called XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). Something we both immediately noticed was that there were no prices listed for the items pictured on his cart, but nonetheless the food smelled good and we ordered XXXX XXXX which the man said were {$6.00} each. 

Regretfully I was a XXXX XXXX and did not think to ask to see the screen ( I used the touch pay feature with XXXXXXXX XXXX ) or get a receipt or ANYTHING. It should have been {$12.00} but as we got closer to the train several blocks away, I received a notification that I was charged {$37.00} for these XXXX sandwiches! I did not sign for that, so this man mustve forged my name and signature. I had no choice but to get on my train or have to wait another hour for another and we simply couldnt. 

The following day I called my credit company Capital One and was told I needed to seek out this merchant to resolve the case in order to get refunded. After being persistent I was told they would credit me {$25.00} to cover what was added to the charge I initially expected, and informed me I would receive paperwork I needed to respond to within 7-10 business days. I never received this information, but instead I was sent a sort of resolution letter to my online banking app, which stated theyve closed the case and are charging me the full amount. Since I paid my credit bill in full on time, I definitely did pay this and it doesnt seem right or fair. I was essentially robbed, and Im sure this sort of pretense is commonplace for people who can not make it back to the city and investigate the whereabouts of a specific vendor cart.

Company response to consumer: Closed with 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: 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX the letter below ( unable to attach ) was sent to Experian via certified mail regarding the account with XXXX XXXX XXXX funding and the inaccurate information that is violating my consumer rights. Experian did not conduct a through investigation and I was told only that said information was accurate. I have also reached out to XXXX and was never provided with the validity of the account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom it may Concern, I recently ran my credit to make a new purchase and noticed a few errors on my report. I am writing to dispute information that is inaccurate and incomplete and does not meet FCRA requirements of maximum completeness and accuracy. I have listed the following errors please conduct a reasonable investigation. 


XXXX XXXX a. Account # : XXXX b. Error : Does not have permissible purpose, 15 USC 1681b, I never initiated a consumer credit transaction with this corporation. To protect my right to privacy and ensure XXXX did not share my information breaching my privacy delete and block this account These errors have caused mental strain and distress. To ensure my right to maximum accuracy please remove these accounts. 

Best regards, 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 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX in XXXX NY XXXX, was auto dealership that went bankrupt and was committing fraud with people and my auto loan agreement. They are reporting information on my credit report that is illegal and inaccurate. I co-signed for a car that was repossessed and not in my name, and they are reporting different account balances and information about account on my credit report. Even late payments which is illegal 15 USC 1666b- Timing of 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 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX in XXXX NY XXXX, was auto dealership that went bankrupt and was committing fraud with people and my auto loan agreement. They are reporting information on my credit report that is illegal and inaccurate. I co-signed for a car that was repossessed and not in my name, and they are reporting different account balances and information about account on my credit report. Even late payments which is illegal 15 USC 1666b- Timing of 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 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief