vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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:
Transunion, XXXX, & XXXX continue to report incorrect information on the consumer account XXXX. There are several inconsistencies with the account. There are late payments listed that are incorrect and should be immediately updated. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX Furthermore XXXX is reporting a 90 day late payment but TransUnion and XXXX are not.

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 2024-04-24 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was at a Time Share presentation in XXXX XXXX Utah, hosted by XXXX XXXX. During the presentation I was told by the guide to fill out information to see if I qualified for a purchase of a timeshare. No mention of a credit card or terms. I decided against a purchase. When I returned home a week later I received a XXXX credit card in the mail.

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 2024-04-24 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: TX

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 non-monetary relief
Consumer complaint received 2024-04-24 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: TX

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 2024-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I hope this message finds you well. I am writing to seek urgent assistance regarding my student loans with Navient, which have become an overwhelming burden over the years. 

Since XX/XX/2009, I have diligently made payments on over 7 private loans with Navient, totaling nearly 15 years of continuous repayment. Regrettably, despite these efforts, the structure of my loan payments appears to have disproportionately favored smaller, lower interest rate loans, leaving my higher interest loans largely untouched. 

Of utmost concern are my two largest loans with Navient : one amounting to {$28000.00} at a staggering interest rate of 14.5 %, and another totaling {$14000.00}, also at 14.5 %. The disparity between the original principal amounts and the accrued interest is deeply distressing. For instance, my largest loan initially bore a principal of {$12000.00}, yet the accumulated interest has ballooned to an astonishing {$30000.00}. Similarly, the second largest loan, originating at {$10000.00}, has accrued a daunting {$12000.00} in interest. 

As a single mother without external support, the financial strain imposed by these loans has become unbearable. Despite my persistent efforts, the outstanding balance remains insurmountable, compounded by relentless communication from Navient during periods of financial hardship. 

I am reaching out in desperation, seeking guidance on potential avenues for relief or renegotiation of these exorbitant interest rates. The current terms render the prospect of loan repayment unfeasible, and I am left questioning whether I have already repaid the principal borrowed, now struggling under the weight of accrued interest. 

Your expertise and support in navigating this distressing situation would be immensely appreciated. Please advise on any available resources or strategies that could assist in alleviating this financial burden. 

Thank you for your attention to this matter. I eagerly await your response and remain hopeful for a positive resolution. 

Warm regards, Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
Title 15 of the United States Code ( 15 USC ) section 1681 outlines the right to rescind under the Fair Credit Reporting Act ( FCRA ). This provision allows consumers to dispute inaccurate or incomplete information on their credit reports and request corrections or removal of such information. The right to rescind ensures that individuals have a means to protect their credit information and financial reputation. 

I have uploaded information about this creditor XXXX it was removed before and was put back on my credit profile by law that is illegal for them to do that.

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 2024-04-24 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: CA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect information on the consumer account XXXX. There are several inconsistencies with the account. There are late payments listed that are incorrect and should be immediately updated. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX Furthermore XXXX is reporting a 90 day late payment but XXXX and Equifax are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
XXXX, Experian, & XXXX continue to report incorrect information on the consumer account XXXX. There are several inconsistencies with the account. There are late payments listed that are incorrect and should be immediately updated. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX Furthermore Experian is reporting a 90 day late payment but XXXX and XXXX are not.

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 2024-04-24 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: NY

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Rent Recovery Solutions
State: DE

Complaint narrative:
Rent recovery solutions was put on my report with a XXXX dollar balance and I want it removed immediately! Was reported XX/XX/2024 with no account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Today, XX/XX/2024 I paid a fee to XXXX for XXXX instant transfers to my WellsFargo checking account in the amounts of {$4.00} and {$6.00}. I use this option almost daily, to transfer money into my WellsFargo account. I have never had a problem until today, XX/XX/2024. 
I used my WellsFargo debit card to pay for XXXX items at XXXX, and was shocked when my WellsFargo debit card was declined due to insufficient funds. When I telephoned WellsFargo customer service, I was informed that it is not an issue with WellsFargo, and that I should contact XXXX, which I promptly did! I have now wasted an hour of my time trying to find out why WellsFargo is not posting my instant deposit. XXXX informed me that the instant deposits are just what they say, and take mere seconds to post to a bank account. I have NEVER experienced this problem with WellsFargo before, but I fear that with WellsFargos documented record of consumer fraud and abuse, that this is yet another thing to fear from WellsFargo. Namely, deliberately not honoring deposits, and shirking off any responsibility for this.

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 2024-04-24 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:
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 non-monetary relief
Consumer complaint received 2024-04-24 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I am requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below : COMENITY BANK/VCTRSSEC XXXXXXXX. After checking my most current report, the updated information stated the account was sold. I contacted COMENITY BANK at ( XXXX ) XXXX on XX/XX/2024 and I was informed by a representative that this account was sold to XXXX XXXX XXXX. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
I am writing to formally dispute the validity of any debt claims you allege I owe, specifically the amount of {$570.00} as reflected on my credit report. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and specifically under the provisions of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ) and 15 USC 1681s-2, I request a detailed validation of this debt.

Please provide the following : Verification of the Debt : I request a complete validation of the debt you claim I owe, including the original creditor 's name and address, the amount of the debt ( {$570.00} ), and any additional charges. This request is made under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Purchase Agreement : In accordance with 12 CFR 1006.34 ( d ), I request a copy of the purchase agreement between XXXX XXXX and the original creditor, evidencing your authority to collect this debt. 
Licensing and Bonding : As per my rights under state and federal laws, please provide documentation proving that XXXX XXXX is licensed and bonded to collect debts in my state. 
Credit Reporting : Under 15 USC 1681s-2, please confirm whether you have reported, or intend to report, this alleged debt of {$570.00} to any credit reporting agency. If so, please also provide a copy of any such report ( s ).

Until I receive the requested documentation, I consider this matter in dispute, and during this period you should not report this debt to any credit reporting agencies. Additionally, I request that all further correspondence be conducted in writing.

Please note that I am aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and I will not hesitate to file complaints with the Federal Trade Commission and the Texas Attorney Generals Office if I find that my rights have been violated.

Thank you for your attention to this matter. I expect your response within the time frame outlined by law30 days from the receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions bl

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX XXXX Td XXXX bank charged me {$920.00}. I had spoken to an agent over the phone to a few days prior maybe XX/XX/XXXX to schedule a payment of XXXX. The agent scheduled the payment for my full balance of XXXX instead. I called td bank once I noticed the mistake was made. They told me they could not credit my account but would send me a check instead. I told them I could not wait for a check so I would just do a charge back through my bank of the XXXX. Td bank still sent out a check in the total of XXXX with the XXXX deducted, even though it was clearly instructed not to. Once the charge back of XXXX went through td bank now set my balance back to XXXX plus the check of XXXX. I called td bank XXXX and spoke with an agent for over an hour. She told me they would do a stop payment on the check and my account would reflect the proper balance and her manager would follow up with me in a week XX/XX/XXXX. XX/XX/XXXX my balance still remained the same and I called back. I spent 1.5 hour on the phone with XXXX. XXXX had to get her supervisor XXXX to help review my account. XXXX told me they again would have to send a stop payment on the check because it didn't work the first time for some reason. I went ahead and spoke to another supervisor XXXX who confirmed a stop payment was sent through it should take 48 hrs to go through and she would follow up with me XXXX comes no changes. I call back and speak to XXXX. XXXX tells me the request for stop payment was sent through on XX/XX/XXXX again but is waiting on back office to approve it. So it's been a month and they continue to not fix my balance because it's waiting on back office to approve the stop payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: PA

Complaint narrative:
I received a Bill from collections from a company called Capio Partners in Texas about an account they said I owed. I didnt recognize the bill and I told them didnt owe it on the phone on XX/XX/XXXX. I sent them a debt verification letter. They eventually got back in touch with me and gave me an itemized bill. I used the information on that bill get ahold of XXXX XXXX the original creditors. they told me they had no medical records of me. Absolutely nothing. Even with using my Social security number, DOB, and address, nothing. I was told the Account number on the bill was XXXX digit off from being wrong as well. I contacted them by phone on XX/XX/24 and spoke with XXXX. Shes the one who confirmed it with me. She had doubled check with her support team on it as well. XXXX didnt seem like they didnt wanted to look into it much further. I was told on the phone that even with selling to collections they dont sell to Capio , and if I did have a collections bill with them being the original Creditor they would never delete my medical records. I had her confirm that XXXX with her support team. So my logical conclusion on this was, the bill definitely does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX reported my credit card past due by 30 days and logged this for XX/XX/XXXX. I have an ACH automatically set up to leave an external account for payment. I've had this credit card since XXXX. Have never been 30 days late and arbitrarily my automatic payment did not go through for XX/XX/XXXX. I called the company to discuss and could not get traction for this oversight to be fixed. I filed a dispute and this still was not changed. It dropped my credit score significantly. I am looking for this oversight to be rectified.

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