vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-04-17 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account was victim of fraud check deposit fraud scam from a virtual client provided a fake check and now I dont have access to my own account funds the bank told me the issue was going to be solve by todayXXXX and I have no access or any information about my money. Bank Truist

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 2024-04-17 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: OH

Complaint narrative:
In XXXX i notice an item on my report, that did not belong to me. on several occasions i have tried to submit disputes, written letter and shown proof this in not my information. I have attempted to contact debt collector as information is not mines, letting them know someone has stolen my identity, file all police report and submitted with the FTC. all 3 credit bureaus have been asked to remove information regarding Jefferson Capital of {$1200.00} and XXXX XXXX XXXX in the amount of {$4200.00}. As, according to the FCRA section 605B it is illegal to report information without my permission and it need to be remove as its not mine information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: CO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-17 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: CO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Request for Removal of Late Payment Entry from XXXX XXXXXXXX Account Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding late payment entries on my XXXX XXXXXXXX account. As per the information available, I encountered financial hardship during the period in question, which led to the late payments on my account. 

Account Information : Account Number : XXXX Account Type : Credit Card Status : Open Date Opened : XX/XX/2018 Due to the financial challenges I was facing at that time, I regrettably missed XXXX payments on my XXXX XXXXXXXX account. However, I want to highlight that I have since rectified these late payments as soon as my financial situation improved. I can provide documentation to support this if required. 

I am reaching out to the Consumer Financial Protection Bureau for assistance in having these late payment entries removed from my XXXX XXXX account. I believe that given the circumstances surrounding my financial hardship at the time and my commitment to resolving the outstanding payments, this action would be just and fair. 

I kindly request your intervention in this matter to help me rectify my credit report and improve my financial standing. Your support in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, 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 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently had my bank account closed for depositing two checks that was sent to me by the company I recently got hired to work from home. And the bank ( capital one ) doesnt want to resolve the issue. If it check was fraudulent I was not aware of this. I would like for the bank to open my account. Again please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My loans transferred from XXXX to Mohela loan servicers in mid XX/XX/XXXX. Prior to my loans being transferred I made a payment of {$15000.00} on XX/XX/XXXX. I noticed immediately that my loans were not transferred without my last payment and called and confirmed with XXXX representatives that my payment had in fact been cleared and was mistakenly not sent properly. I was assured on multiple occasions that my payment would be sent to Mohela but that it may take a few weeks to process. My new loan servicer Mohela just sent me a letter after investigating this matter that states that I did not make my {$15000.00} payment and it is not even reflected on the XXXX website. I have more than enough evidence of my payment and I need this matter clarified immediately. I believe my funds have been mishandled. Every time I call Mohela has been claims the payment from XXXX has not been sent and every time I call XXXX they claim that they have sent the payment. I recieved a letter on XX/XX/XXXX from XXXX confirming I sumbitted a payment of {$15000.00} made on XX/XX/XXXX -- however they also sent me a transaction history summary which did not have the aformentioned payment listed so it is unclear if they payment was actually sent. I have waited over 4 months for this matter to be resolved and it seems as though XXXX and Mohela are not complying with their due diligence to transfer my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: MD

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.

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 explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX 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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I PURCHASED A TICKET FROM BRITISH AIRWAYS WEBSITE FOR {$1400.00} AND PAID FOR IT WITH MY CHASE-BA VISA CREDIT CARD ON XXXX XXXX, XXXX  ; TRAVEL WITHIN NEXT 12 MONTHS AND NO LIMIT ALLOWABLE DATE CHANGES WITH {$0.00} FEES. I MADE CHANGES IN DATES AS MY SCHEDULE CHANGED. DURING ONE OF THE DATE CHANGES WITH BRITISH AIRWAYS XXXX XXXX, THEY CHARGED ME {$440.00} ON MY CHASE MASTER CARD FOR NO APPARENT REASON ; I DISPUTED THIS CHARGE BY SUBMITTING EVIDENCE TO CHASE MASTER CARD, AND WON THE DISPUTE ; AND CHASE MASTER CARD CREDITED MY ACCOUNT FOR {$440.00}. THEN, AS A " PUNISHMENT '' FOR DISPUTING THE FALSE / FRADULENT CHARGE, BRITISH AIRWAYS CANCELLED MY WHOLE TICKET, AND REFUSED TO REFUND THE {$1400.00} I PAID FOR THE TICKET. I HAVE CALLED BRITISH AIRWAYS IN XXXX AND IN XXXX SEVERAL TIMES, AND THEY HAVE REFUSED TO REFUND MY MONEY. I HAVE TALKED TO CHASE VISA CUSTOMER SERVICE AND THEY ARE HAVING PROBLEMS WITH DISPUTING THIS CHARGE FROM XXXX  SINCE I SHUT DOWN THIS CREDIT CARD IN XXXX, XXXX. I HAVE ALL BRITISH AIRWAYS EMAILS WHICH PROVE MY CASE. THIS IN MY OPINION A STRAIGHT-OUT CONSUMER BULLYING AND FRAUD BY A MAJOR AIRLINE COMPANY. 
PLEASE NOTE THAT I ALWAYS, FOR YEARS, PAY MY CREDIT CARD BEFORE DUE DATE, AND AN ABSOLUTELY CLEAN FINANCIAL RECORD. 
XXXX XXXX  XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law 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 non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law 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 2024-04-17 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 am a victim 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 2024-04-17 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

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 2024-04-17 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I wont a letter simply saying in XXXX, say 15 U.S. Code 1692c - Communication in connection with debt collection states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Recovery Services, LLC
State: OH

Complaint narrative:
In XXXX i notice an item on my report, that did not belong to me. on several occasions i have tried to submit disputes, written letter and shown proof this in not my information. I have attempted to contact debt collector as information is not mines, letting them know someone has stolen my identity, file all police report and submitted with the FTC. all 3 credit bureaus have been asked to remove information regarding XXXX XXXX of {$1200.00} and Absolute Recovery Services in the amount of {$4200.00}. As, according to the FCRA section 605B it is illegal to report information without my permission and it need to be remove as its not mine information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I deposited a check on my new XXXX M & T XXXX Bank Account as a mobile deposit. I didnt write my name on the back of the check but my husband did ( it was his check ) and I called the bank and I explained to them the situation and they agreed to unblock my account ( remove the hold ) but today when I went to the bank they decided to closed it because they felt like it was a red flag. The institution was very unprofessional and they lied to me and told me once I get the paper check to come the branch again and the issue will be fixed but that wasnt the case. Also I even came with my husband and he signed the paper work they requested but they still decided to close my account. There was no fraud committed. I only deposit his check on my bank account because we needed the money to pay the bills and buy food. He currently doesnt have a bank account. I must add they also said because I made an account only that they felt I was a red flag but why they allow new customers to open accounts online to discriminate towards them and treat them as criminals just because I didnt sign the back of the check as well.

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 2024-04-17 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: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: CA

Complaint narrative:
Grant & Weber Last week I checked my cr I saw this company had my debt from a hospital stay, I owed {$31000.00}. 
I called the hospital yesterday and was told I owed nothing. My insurance covered it. I contacted the company and they told me I needed to recontact the hospital. For what?!! This is a scam!

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