vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: MO

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient payment plan was set up, but they have not held up on their end. I and my parents get a phone call everyday every hour of everyday for more money and say I have to pay more than I can afford so they will not stop calling collections calls. I am XXXX and have a set income they also took monthly payments from me during covid shutdown and even though I told them what I can afford they will not stop harassing phone calls and verbal threats and they have ruined my credit and it is being paid as what I had verbally set up. Please have them stop the harassing phone calls from ( XXXX ) XXXX. Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
XX/XX/2024, I placed an electronic payment to my credit card. I was informed the payment would be on hold until XX/XX/2024. The payment debit posted to my checking account on XX/XX/2024. The card company is claiming this type of payment is out of the ordinary for me, which it is not. I have used the same checking account and same process for paying this credit card since it has been opened. Ive reached out to multiple representatives, who continued to repeat the same narrative of this is out of the ordinary, again my transaction history proves it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
These accounts were terminated since XXXX and XXXX and should have been deleted from reporting on credit bureaus but were not and was inaccurate use of credit bureaus reporting

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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 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 2024-03-01 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: IL

Complaint narrative:
The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-03-01 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: IL

Complaint narrative:
The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-03-01 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I just received my credit report and was shocked to find unauthorize inquiries and late payments on it. As you know, this is not something that should have been reported! 
The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all!

Also I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

My account was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX processed a transaction for a total XXXX - I explained that transaction was not authorized- requested video documentation or any other material/proof. They have declined and not replied to my 3 emails. 
I disputed this with Navy Federal Credit Union. They reply with Information related to other transactions and have failed to provide the provisional credit that should be applied in accordance with Reg E. Over the counter electronic transaction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank told me I have 60 days from XX/XX/XXXX to pay off a balance. They have called me 9 times since Tuesday XX/XX/XXXX and today is XXXX. This is harassment. I emailed them yesterday XX/XX/XXXX to stop contacting me about something I already know. I woke up today XXXX to a phone call. They keep calling and not leaving a voicemail. This is harassment. I have acknowledged multiple times to them about this debt and they continue to call and not abide by the XXXX rule. They are not following regulation F. If I need to sue them for harassment and bullying I will. At this point I have reported them for unfair investigation and now this???? This is not ok. If I end up in the hospital with my XXXX XXXX I will sue this bank for more than what I owe them. At this point td bank should be held accountable for their actions. Please make the harassment stop. They are not following regulations and rules. My debt should be deleted by them since they are law breakers. I will be contacting a lawyer for harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hello, On XX/XX/year> me and my finance hosted an engagement party in which during the party my car was entered by picking the car lock, and my book bag was stolen with credit cards, debit cards, business laptop, work laptop, keys, important information and two hard drives. I have contacted my agency regions bank and provided information but denied stating that I authorized the purchases.

I have submitted additional information and pending a response from agency.

5 Purchases= {$4700.00}

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 2024-03-01 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: IL

Complaint narrative:
Inquiries are not authorized by me. Please see attached documents as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: MO

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have consistently maintained a record of timely payments on this account, never allowing them to lapse into overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.

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 2024-03-01 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: MI

Complaint narrative:
I have consistently maintained a record of timely payments on this account, never allowing them to lapse into overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.

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 2024-03-01 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: MI

Complaint narrative:
Would you mind verifying the documents to ensure compliance with FCRA 605B, which necessitates the elimination of any inaccuracies from my credit report? It appears that some of the listed accounts are incorrect, and their presence is unsettling for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: MI

Complaint narrative:
Would you mind verifying the documents to ensure compliance with FCRA 605B, which necessitates the elimination of any inaccuracies from my credit report? It appears that some of the listed accounts are incorrect, and their presence is unsettling for me.

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 2024-03-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: MO

Complaint narrative:
The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.

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 2024-03-01 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: MO

Complaint narrative:
The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.

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 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I had been calling Mohela PSLF phone number for 5 days now. Each time, a representative has picked up the phone and upon hearing my question, told me that they were unable to help me and transferred me to a different department ( not sure what department is this as I asked multiple reps if theres a direct number to reach them ).

Once I get transferred, I am on hold for more than an hour and still nobody picks up the phone ( not to mention an hour long wait to reach the first rep ).

Is there anyone that can help me answer my question? This is beyond frustrating to be on hold for so long and then the person on the other side isnt able to help you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
I urge you to review the attached documents. I want the bureau to begin an investigation into these accounts, as I have never missed a payment on them, but they are inaccurately listed as late.

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 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Bridge IT, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I took out an advance for XXXX. Also, a XXXX XXXX account for XXXX per month and paid a subscription fee for their service. Immediately upon getting the first advance I paid it off, I then too out a second that I never received. I complained several times via email and provided proof but they are adamant Inowe them money. I cancelled my XXXX XXXX product with them because I do not trust them and now am going to end up having a {$600.00} closed loan on my report. Also, I cancelled my subscription for XXXX a month which just got taken out abd they ae now going to charge me a second time on XX/XX/XXXX along with their plan to charge me {$50.00} on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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 request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: IL

Complaint narrative:
The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my XXXX XXXX, disrupting my sleep and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly examine the documents enclosed herein. I request that the bureau initiates an investigation into these accounts, as I have consistently maintained timely payments, yet they are erroneously reported as late.

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 2024-03-01 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: NJ

Complaint narrative:
Transunion Fail to provide notice of dispute sentence on my credit report its been over 30 days going on 90 this is a super VIOLATION OF MY CONSUMER RIGHTS as According to FDCPA Section 807 ( 8 ) A person have 30 days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more then 30 days still no update so this a violation of my right delete these account immediately From XXXX XXXX XXXX and even before that NO NOTICE OF DISPUTE was done to my credit delete immediately for this violation. 


FDCPA Section 807 ( 8 ) 807.

False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Several time money was taken out my account that I didn't authorize but they did put it back but still they kept let my account overdraw for no reason when I didn't even have overdraw on the account

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