vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 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: FL

Complaint narrative:
XX/XX/XXXX Experian, XXXX and XXXX To whom it may concern, I am writing to update/correct my personal information on file with the three credit reporting agencies. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Please update my name to : XXXX XXXX XXXX My only and correct birthday is XX/XX/XXXX My only social security number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

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 2023-11-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: CT

Complaint narrative:
I had called net spend earned wage access to gain details regarding the account with my personal information. I had trouble with the representative trying to understand or explain exactly what happened. I did not know of the account 's existence and do know of a reason why it may be opened as other fraudulent situations have happened with accounts of 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 2023-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I've been getting letters in the mail from random attorneys saying they can offer me help because I'm being sued by " Portfolio Recovery Associates '' ... they are breaking the law by threatening me with legal actions... The only letters I've received are attorney letters offering to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My address is XXXX XXXX XXXX XXXX ny XXXX my old addresses still appear on my report and was asked to be deleted. I provided proof of my address already

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 2023-11-26 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: NY

Complaint narrative:
I am writing to formally dispute the results of the recent investigation conducted by Equifax regarding the trade entry associated with XXXX XXXX XXXX on my credit report. This dispute is made under the provisions of 15 U.S. Code 1681i, which outlines the procedures to be followed in cases of disputed accuracy.

Nature of Dispute : The investigation results state that Equifax has verified that the item in question belongs to me. However, I dispute the accuracy of the modified fields, including the Closed Date, Scheduled Payment, High Credit, and Date of Major Delinquency 1st Reported. 

Insufficient Detail in Investigation Process : The provided summary of the investigation process lacks sufficient detail about the steps taken by Equifax and XXXX XXXXXXXX XXXX I request a comprehensive account, including the evidence considered, in accordance with the requirements of 15 U.S. Code 1681i. 

Public Record Handling : The explanation regarding the handling of public record items, such as judgments, tax liens, or bankruptcy, is vague. I seek more specific information on how Equifax obtained the most recent filing associated with the disputed information and the measures taken to ensure accuracy, as mandated by the aforementioned legal provision. 

Furnisher/Source Information : The information about XXXX XXXXXXXX XXXX  XXXX XXXX name, address, and telephone number, is essential for the pursuit of this dispute. I request a more detailed disclosure to facilitate direct communication with the furnisher of the disputed data, in compliance with 15 U.S. Code 1681i.

Request for Reinvestigation : In accordance with 15 U.S. Code 1681i, I formally request Equifax to reinvestigate the disputed trade entry with XXXXXXXX XXXX XXXX. A thorough examination is necessary to ensure compliance with the accuracy and completeness requirements outlined in the Fair Credit Reporting Act. 

Additional Documentation : If Equifax requires additional documentation or information from my end to facilitate a comprehensive reinvestigation, please promptly inform me. I am committed to providing any necessary documentation to resolve this matter accurately and in compliance with the law. 

I appreciate your prompt attention to this matter and expect a transparent and fair resolution in line with the legal provisions outlined in 15 U.S. Code 1681i. Please keep me informed of the progress of the reinvestigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a {$100.00} Amex gift card. I have used it 3 times for the amounts of : {$39.00} on XX/XX/2023 {$15.00} on XX/XX/2023 {$26.00} on XX/XX/2023 This leaves {$18.00} on the card that I have been unable to use. Amex says the card is on hold, but when I call their number there is no recourse to activate it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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 DON'T HAVE XXXX XXXX FOR THE PAST 10 YEARS!!! ON XX/XX/XXXX  EXPERIAN FILED AGAIN A FRAUDULENT COLLECTION FOR {$380.00} ON BEHALF OF XXXX AND AGAIN DECREASED MY CREDIT SCORS BY XXXX POINTS : FROM XXXX TO XXXX. 

MY CREDIT REPORT AND PAYMENTS WITH XXXX AND XXXX IS ALWAYS EXEPTIONAL! IN THE LAST 3 YEARS EXPERIAN PLACED 4 TIMES ON MY REPORT A FRAUDULENT COLLECTION FROM 4 COLLECTION COMPANIES ON BEHALF OF XXXX FOR THE SAME AMOUNT : {$380.00} S. EXPERIAN DECREASED AGAIN MY SCORS BY XXXX POINTS EACH TIME, FROM XXXX POINTS TO XXXX POINTS. 
THIS IS A REVENGE BY EXPERIAN : 1 ) I REFUSED TO SIGN UP FOR THEIR " MEET EXPERIAN XXXX XXXX '' TO PAY THE XXXX THE FRAUDULENT {$380.00}. AND 2 ) IN THE LAST 3 YEARS I REFUSED TO FILE A REVIEW- TO RATE EXPERIAN EMPLOYEES ' HELP - THEIR EMPLOYEES ACTED WITH REVENGE. 

I FILED A NEW DISPUTE # XXXX WITH EXPERIAN FOR THE SAME ISSUE {$380.00} XXXX COLLECTION. DESPUTE-REPORT # XXXX DATED XX/XX/. I MAY NOT HAVE A CHOICE BUT TO SUE EXPERIAN.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My address is XXXX XXXX XXXX  XXXX ny XXXX my old addresses still appear on my report and was asked to be deleted. I provided proof of my address already

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: NY

Complaint narrative:
My address is XXXX XXXX XXXX XXXX ny XXXX my old addresses still appear on my report and was asked to be deleted. I provided proof of my address already

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 2023-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
This company is harassing me and even was calling my family at one point. While they did make some changes, they still have participated in threatening types of debt collection practices. I have had 3 people sent to my home to collect a debt which I reported to the manager who said that was not allowed. I have made 2 subsequent payments of XXXX each to catch up my loans. One on XX/XX/, and another one on XXXX XXXX  which both have been cashed. I also attempted to send a check for XXXX so that extra payments were being sent in XXXX and they sent it back demanding another check for the full amount. If I had the full amount I would send it. I have lived in my home over 20 years and now I had a home intruder come out right before the holidays which has been reported to the police and is under investigation. I find this ironic since they are they only debtor I know to come to my house with no notice and bang on the door. Secondly, my company I work for at my second job has not paid me for my work yet I XXXX and XXXX creating a problem for me with catching this account up. If my secondary employer is illegally withholding money per our contractual agreement I can not pay any more money I do not have. I am reporting them for unfair credit practices and concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TN

Complaint narrative:
In XX/XX/2023 I received a call from Card Loss XXXX regarding a charge. I was unable to take the call so they locked my card for any further use. When I did call the number back on XX/XX/XXXX to state the transaction was unauthorized the system directed me to a live agent. I was unable to speak with an agent then so I spoke to a Chat agent on XX/XX/XXXX she referred me back to Card Loss Prevention her XXXX is XXXX XXXX XXXX. I called back on XX/XX/XXXX to speak with the department to state the transaction was unauthorized she proceeded to verify my information when I did verify she refused to continue the conversation and wanted to transfer me to Customer Service. She started to ask for my driver 's license number and social security. I advised her that I would rather speak with another XXXX XXXX agent since she was unwilling to send me a new debit card. After the wait, she instead took me to a supervisor by the name of XXXX and she started to verify me and told me that a new card would be sent out to me since the number is no longer protected. The card never came. The account needed to have a deposit to bring it current, however, I can not visit an ATM to deposit any funds since the card is prohibited. I spoke with someone else via the XXXX channel and that person mailed me a new card and pin number but it was too late because the next few days the account was closed. This all could have been avoided if the previous agent and XXXX mailed out a new card as I requested. I spoke to the Collections department on XX/XX/XXXX and inquired about having my account reopened due to their lack of information and bank error. The agent wouldn't put in the request to have the account reopened and I proceeded to file this complaint. The agent informed me a cashier check would be mailed which is untrue only they that happened was the deposit was sent back to my account that I made since the account was only negative XXXX dollars due to their lack of giving me a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Sunday XX/XX/26 morning I tried to use XXXX  in order to pay {$40.00} to my hairdresser. Bank of America put this payment on hold for review. Turn out the bank has NO review team during the weekend and I have to wait 24 hours for this review process. In the mean while there is also no option to cancel it and I was stuck with no payment option in the store. I spent more than half an hour over the phone with the bank and they didn't provide any solution. I expect CFPB to force the bank to have this review team available during all hours that the XXXX is available. This is a common complaint I hear about Bank of Americas and CFPB should take action as the bank is taking advantage of consumers

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 2023-11-26 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: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information 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 2023-11-26 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: FL

Complaint narrative:
I was in the process of a loan modification and required to make 3 trial payments, which I made as directed.

These trial payments are reported as late on my credit report which is inaccurate and causing a significant impact to my credit.

My modification has since been approved and I would politely request these late payments be removed or updated to reflect they were paid on time.

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 2023-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
Ok I had a lot of problems canceling my extended warranty and I didn't get 100 % of the total and they stole my payments, they didn't apply them to the loan and they reported me late payments and they also sent me to collection for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On or around XX/XX/23, I mailed a Notice to Cease and Desist to Navient requesting that they stop contacting me, my friends, and my family, and I directed them to communicate with XXXX XXXX XXXX XXXX. Starting XX/XX/23, I have received multiple voicemails from XXXX who represents Navient, requesting a return call. My mother, my sister, and my ex-husband have also received calls from Navient in direct opposition to my Notice to Cease and Desist. I will be mailing a second Notice to Cease and Desist to Navient tomorrow ( XX/XX/23 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: MD

Complaint narrative:
I was made aware of a collection account on my Equifax credit report showing an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. First and foremost, I was never sent a notice to my physical address before they sent it to collections which is a violation. I was applying for a house in the middle of the year when I was made aware. I sent verification letters to XXXX XXXX XXXX as well as a validation letter to Equifax on XXXX certified USPS. I also sent another letter to Equifax on XXXX to dispute inaccurate information from XXXX XXXX XXXX as it was showing all kinds of different data on my other reports from the other two agencies.

1 ) Equifax is reporting a high balance while the other two credit agencies are reporting no high balance.

2 ) Equifax is also reporting a Date of Delinquency of XX/XX/2019 while the other two agencies are not reporting which is inaccurate and a violation 3 ) Equifax is reporting XXXX XXXX XXXX as Other while the other two agencies are reporting as Debt Buyer which is inaccurate and a violation.

Per the Fair Credit Reporting Act Section 611 any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: FL

Complaint narrative:
TRANSUION ONLINE CREDIT DISPUTE IS UNUSEABLE AND DIFFICULT GIVES NO OPTION TO FILE DISPUTE IN THE DISPUTE FILE SYSTEM OTHER THAN ADDRESSES, NOT ONLY IS THE SYSTEM OUTDATED AND DISFUNCTIONAL, THE REPORTING METHODS THEMSELVES ARE OUT OF DATE AND DO NOT MATCH EVEN REMOTLY CLOSE TO THE XXXX AND XXXX SYSTEMS WHOM HAVE NONE OF THESE ISSUES.

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 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/23 I received an email from Wells Fargo stating I had applied for and been approved for a Wells Fargo Active Cash Visa Card with a Credit Line of {$16000.00}. I also received an alert from XXXX XXXX and XXXX that there had been a hard pull of my credit report. 

I had not applied for this and have never had an account with Wells Fargo. I immediately contacted Wells Fargo, and after talking to XXXX different people, I was told that they would have to talk with someone in a credit card department that would not open again until Monday. My husband also spoke with Wells Fargo staff about this and was also told that I should call back in a few hours because at XXXX XXXX the credit card likely would have been processed and they should be able to cancel it. 

I called again on Sunday, XX/XX/23 and was told that because the card had not yet been created they couldnt cancel it. However, I was requesting they prevent the card from ever being created, as the creation of this card could allow someone to begin spending money on a fraudulent account. Wells Fargo was unable to help me and as it stands the card will be created before it can be cancelled- and it can only be cancelled by my calling Wells Fargo again tomorrow to try to get this resolved.

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 2023-11-26 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding llc opened a collection that was fraudulently account on my credit file and i would like for it to be removed from my file as soon as possible because its affecting my credit file he hindering me from pursuing my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I have new information and an update regarding complaint # XXXX. 

, I did not receive any communication from your company. Please upload here on the CFPB website the correspondence letter that was sent to XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX on XX/XX/2023. 

This is a stall static that your company is using. 
The more you delay this information the more I will claim damages in court. 

I have also attached the original letter that was sent certified. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2023 I requested that Afterpay move my due date from XX/XX/XXXX to XX/XX/2023. I sent at least 10 requests. Reps asked me for order number and then never responded after that. 
XX/XX/XXXX XXXX I got no response. XX/XX/XXXX they tried to go in my account. 
I blocked it because I already requested a date change. I reached out to them. No response. 
I contacted them through complaints and a ticket number was created. 
Now they have blocked my account saying I can no longer shop. Saying they will add late fees. 
I'm not paying late fees because of their negligence.

Company response to consumer: Closed with explanation