vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I submitted a request to XXXX XXXX to investigate accuracy of information on my Consumer Reports. 
They sent their response and dated XX/XX/XXXX which I have attached confirming that the reporting information is accurate. 
XXXX is in violation of 15 U.S. Code 1666 ( a ) 15 U.S. Code 1666b ( a ) 2 15 U.S. Code 1681i The inaccuracies include ; Last Payment Date XXXX XXXX Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Times 30/60/90 days late XXXX XXXX Equifax XXXX XXXX XXXX Highest Balance XXXX XXXX Equifax XXXX XXXX {$18000.00} XXXX XXXX Creditor Address Information XXXX XXXX Equifax XXXX XXXX Tx XXXX LA XXXX DE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: LA

Complaint narrative:
On XX/XX/XXXX I submitted a request to XXXX XXXX to investigate accuracy of information on my Consumer Reports. 
They sent their response and dated XX/XX/XXXX which I have attached confirming that the reporting information is accurate. 
XXXX is in violation of 15 U.S. Code 1666 ( a ) 15 U.S. Code 1666b ( a ) 2 15 U.S. Code 1681i The inaccuracies include ; Last Payment Date Experian XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Times 30/60/90 days late Experian XXXX XXXX XXXX XXXX XXXX Highest Balance Experian XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX Creditor Address Information Experian XXXX XXXX XXXX XXXX Tx XXXX LA XXXX DE

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
It's a brand new Capital One card. I made my first payment when due and then another payment some days later. I received confirmation that the payments were received, processed and posted. When I went to used the card it declined. I looked up my availability amount and it no longer reflected the previously paid amount. I called to inquire why and was told they put a hold on my payment due to fraudulent looking activity ( but never contacted me ). When asked what looks fraudulent, I was told because I made back to back payments. I was told they will not release the funds for 6 days and was advised that I shouldn't make payments outside of the due term time. I'm being punished for paying my bill more than asked? And being inconvenienced by not having access to needed funds. I told them its fraud to show and confirm that my payments were processed when it wasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I submitted a request to be put on a payment plan approximately once a month beginning in XXXX. As each month passed, I had not heard any confirmation that I would be put on my selected repayment plan, so I applied again. Finally in XXXX I scheduled a call - wait time of 2+ hours - to request over the phone that I be placed on my indicated repayment plan after having applied 4 other times. The representative did not understand why my requests had not been processed, but promised I would now be put on the plan I selected. Fast forward to XXXX, and I am still not on my preferred repayment plan. Additionally, I was notified that my loans were placed in administrative forbearance, and that interest would continue to accrue, and that the auto debit discount of .25 % from the interest rate of each loan would be revoked. There was no explanation of why my loans were placed in forbearance. I have applied for the repayment plan again but am skeptical anyone at MOHELA actually cares about my needs. It seems they are happy to take my money and provide no assistance or service in return, and in fact take additional action to squeeze more money out of me wherever possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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:
never got any information from companies after 35 days of waiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On several occasions, I have requested by phone and mail that my personal information be corrected on my credit report. I also sent them copies of my driver 's license and social security card, but they have still refused to do so.

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 2023-10-31 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/23 - I reported that the {$10000.00} charges on my card from XXXX XXXX were fraudulent. The charges were removed by Citibank. 
XX/XX/23 - XXXX of the XXXX XXXX fraud charges totaling {$5800.00} were put back on my account. I called Citibank again to report these charges as fraud again. Citibank claims XXXX XXXX sent proof that I made the charges, despite the fact that the telephone number, email address, and travel companion information provided by XXXX XXXX do not match any of my personal information. 
XX/XX/23 - I emailed Citibank to continue the dispute. 
XX/XX/23 - I reverse looked up the information provided by XXXX. The phone number of the person who made the fraudulent reservations was from a land line in XXXX  and the email address used by this person does not exist. 
XX/XX/23 - I called Citibank and was told the charges are still under investigation and can't be removed from my account. I also emailed them sending them the information I looked up about the information provided by XXXX. 
XX/XX/23 - I wrote a letter to the XXXX XXXX XXXX XXXX at XXXX XXXX to inform them of the fraud and someone intending to fly using my identity. I also emailed Citibank dispute center again. I was doing this almost every day. 
XX/XX/23 - I filed a police report regarding the theft of my credit card number. 
XX/XX/23 - I froze my credit on all XXXX credit agencies. 
XX/XX/23 - I was notified on my Citibank online credit card account that all XXXX fraudulent charges of {$750.00}, {$770.00}, {$1000.00}, XXXX, {$1100.00}, and {$1200.00} will have a security credit issued. This has not happened. 
XX/XX/23 - Only XXXX fraudulent charges were reversed. I spoke to XXXX different people at Citibank, XXXX in customer service, XXXX in fraud, and XXXX in security operations. Not one person could explain to me why only XXXX of the fraudulent charges were credited back to my account. 
At this time the remaining fraudulent charges of {$1000.00} and {$1200.00} still remain on my account. No one at Citibank responds to my written correspondence. No one on the phone at Citibank in any department has a clue what is going on with my account. No one at Citibank can explain anything to me. All I am told over and over by Citibank since XXXX is " it is still under investigation. ''

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 monetary relief
Consumer complaint received 2023-10-31 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TX

Complaint narrative:
I would like to respectfully remind you once again to immediately remove any unproven or inadequately supported claims from your reporting. As a data reporting provider It is imperative that you meet the minimum criteria to required to report with the conditional proveledge to do so. Failure to do so raises doubt about the validity of any and all claims that you make XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX {$480.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) {$5200.00} XXXX  {$5200.00} XXXX {$1100.00} XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX  ) {$480.00}

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 2023-10-31 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: FL

Complaint narrative:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2023 I submitted a dispute regarding identity theft accounts that on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
XX/XX/2023 I submitted a dispute regarding identity theft accounts that on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.

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 2023-10-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I leased a XXXX XXXX XXXX in the summer of XXXX with XXXX XXXX. 

Then, my wife and I had our first child a year after - a beautiful baby girl. During the first few months of getting our lives reorganized with our baby girl, we let some payments slip with the lease and the XXXX was repossessed. Fortunately, my wife and I were able to get the car out of repossession within the ten-day grace period provided before my credit would be impacted. 

Months later, life then threw us some surprises ( death in the family, medical debts, childcare expenses ), and the payments slipped yet again and the XXXX was taken from us again. This time, XXXX XXXX is asking for a lease buyout of XXXX within XXXX days of repossession. There is no legitimate lender on earth who will finance me or my wife BECAUSE of the lapsed payments on the lease. Needless to say, my wife and I do not have XXXX laying around either. We DO HAVE enough to get the lease back on track, though. As to why XXXX won't accept that seems unethical, perhaps illegal. We have but only a few months left in the lease agreement as well. 

It certainly feels like my wife and I are in a no-win situation here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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 would like to respectfully remind you once again to immediately remove any unproven or inadequately supported claims from your reporting. As a data reporting provider It is imperative that you meet the minimum criteria to required to report with the conditional proveledge to do so. Failure to do so raises doubt about the validity of any and all claims that you make XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXXXXXX XXXX {$640.00} XXXXXXXX XXXX {$480.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) {$5200.00} XXXX {$5200.00} XXXX {$1100.00} XXXXXXXX XXXX ( Original XXXX : XXXXXXXX XXXX XXXX  ) {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: TX

Complaint narrative:
I would like to respectfully remind you once again to immediately remove any unproven or inadequately supported claims from your reporting. As a data reporting provider It is imperative that you meet the minimum criteria to required to report with the conditional proveledge to do so. Failure to do so raises doubt about the validity of any and all claims that you make XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm filling a claim as a victim of TransUnion. I have been denied housing on multiple occasions due to TransUnion 's negligence. I also know my information has been compromised by TransUnion due to TransUnion 's sharing of ( what they believed to be ) my personal information, which caused much harassment from multiple third party companies, which I still receive, to this day. Also, currently hacked and started hacked this whole time, due to this company 's negligence. I was also homeless for a good part of 18 years. XXXX XXXX as well. This kept me from a lot as I am smart enough to be a XXXX graduate ; also took a vile toll on my health and mental state. I'm the poster child for what these credit companies do to consumers. I'm no longer frightened ; just seeking immediate justice.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XXXX reported my payment as late for XXXX but I never got an email or message that the payment I made in XXXX never posted. I still don't know why it didn't post but they should have contacted me to let me know something happened. It could have very easily been an error on their website which is always down with issues. I have never missed a payment on anything and it's totally ridiculous that this was reported instead of alerting me. I demand that it be removed from my credit report. Once I found out the payment never was made I of course paid it and the XXXX Payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX that lives at XXXX XXXX XXXX XXXX XXXX XXXX  is doing fraudulent activity and is scamming credit cards, scamming into many different bank accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more bank accounts it has to be investigated on behalf of my own accounts being scammed. 

money has been missing from my personal accounts and I want to report it immediately This issue have to be resolved before anymore accounts gets scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
This collector is not licensed in my state. Under the Fair Debt Collection Practices Act. Im not liable for this debt with Eastern Accounts System. I do not have a contract with the collection agency. They did not provide me with the original contract as I requested.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
.Identity Theft! I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/23 Equifax should have received a letter from me explaining and filing a complaint in regards to items that i deemed not to be mine. They have yet to respond and it feels as though they are taking my complaint lightly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX reported my payment as late for XXXX but I never got an email or message that the payment I made in XXXX never posted. I still don't know why it didn't post but they should have contacted me to let me know something happened. It could have very easily been an error on their website which is always down with issues. I have never missed a payment on anything and it's totally ridiculous that this was reported instead of alerting me. I demand that it be removed from my credit report. Once I found out the payment never was made I of course paid it and the 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