vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: WI

Complaint narrative:
The following companies show an open balance and fraudulent phone numbers to contact on my reports from experian, XXXX, and 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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid my BofA account off on XX/XX/XXXX paying {$5800.00}. A scheduled payment came out on XX/XX/XXXX in the amount of {$3600.00} leaving me a credit balance of {$3500.00}. A simple IT tweek to their system to text me or email me should have been in place. This is a XXXX interest rate and there is no need for me to have a credit balance. My beef is XXXX scripted answer to me is to take XXXX business days to refund me. This does not make sense since they can take payments and debit checking accounts within 2 min and not more than 24 hrs. Whats fair for them should have a system ( s ) in place to protect the consumer too! Whats good for the goose is good for the gander!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, ZILCH, XXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found XXXX updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. 

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). 

Here are the accounts in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this erroneous late payment IMMEDIATELY! 


Also, pursuant to 15 USC, section 168li ( d ), please notify me in writing when these accounts have been removed or corrected. 

Thank you so very much for your help and support.

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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I RECENTLY SENT LETTERS TO ALL 3 CREDIT BUREAUS ABOUT MY INFORMATION BREACHED. AND THE INQUIRIES ARE NOT MINE AND THEY STATED THEY VERIFIED THE INFORMATION AND THERE IS NO WAY THEY DID. However the credit bureaus said they completed the investigation and everything was 100 % accurate. After I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies did not make sure the reporting was 100 % correct. 

UIn accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency was obtained directly from a creditor of the consumer or from the consumer. 
did they complete their investigation with proof? It seems 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 non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 blocked.

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 2024-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am writing to address ongoing concerns regarding the persistent collection attempts by LVNV and now XXXX XXXX regarding an alleged debt. Despite repeated communication in which I explicitly stated that I do not owe the debt and demanded that all collection activities cease, I am dismayed to find that these efforts continue unabated. 

It has become evident that LVNV and XXXX XXXX have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by ignoring my requests and persisting with their collection attempts. Not only have they failed to provide evidence supporting the validity of the alleged debt, but they have also disregarded my right to verification and validation of the debt. 

Furthermore, their failure to provide a copy of the contract pertaining to the purchased debt raises serious concerns about the legality and legitimacy of their claims. I have repeatedly requested this documentation but have yet to receive it, further highlighting their lack of transparency and compliance with the law. 

Based on the egregious nature of their actions and the violation of my rights, I am demanding the immediate cessation of all collection activities related to the alleged debt. Additionally, I assert my right to compensation for damages incurred as a result of LVNV and XXXX XXXX ' unlawful conduct. It is my estimation that LVNV owes me more than {$10000.00} in violation funds, I shall expect a check for each violation. 

I expect prompt action to rectify this matter, including confirmation in writing that all collection activities regarding the alleged debt have ceased and that no further attempts will be made to contact me in relation to this matter and removal from all XXXX of my credit reports.. Their failure to comply with my demands will leave me with no choice but to pursue legal action and file complaints with the appropriate regulatory bodies. 

I trust that you will take immediate and decisive action to address this situation and prevent any further violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NV

Complaint narrative:
I am a XXXX XXXX Totally & Permanently XXXX XXXX 

As such, I applied for and was APPROVED for Permanent Discharge of all XXXX loans by the DEPT OF Education ( XXXX ) The servicer, XXXX is still reporting to all XXXX major credit bureaus that significant balances are owed when they should show PAID IN FULL {$0.00} Owed. 

Have contacted them at least a dozen times and disputed with the major credit bureaus as well and XXXX still shows the balances as owed. Have sent the PERMANENT DISCHARGE decision letter from the US Department of Education to all the parties to no avail. 

Please help as XXXX is in violation of the Fair Credit Reporting Act.

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 2024-04-22 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: NC

Complaint narrative:
I am requesting an immediate attention to the following accounts that continue to appear inaccurately on my credit report : 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 They were already deleted in XXXX back XXXX XXXX of this year. i have attached proof on my letter. I've been communicating with Transunion and XXXX to deal with this matter, reinvestigate it further and remove accordingly but they tend not to hear my plea.

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi checking account in XXXX, I sent a wire transfer from my business account at XXXX  in the amount of {$110000.00} to my personal bank account at Citi bank on XXXX XXXX. The funds arrived normal I used some of the fund but about {$68000.00} was left. On XX/XX/2024 they blocked my account and online access and said they decide to close my account because I violated they account agreement which I did not, only thing I did was use my account sent few wires and paid payments. So I was told that it will take them XXXX days to close the account. On XX/XX/2024 they closed my account and on XX/XX/2024 I received a check for {$200.00} as a balance owed from closure of the account. I went to Citi bank and was told that I need call in for this so I contacted Citi bank and got rerouted to XXXX different departments when I was finally told that after they completed their investigation they concluded that no funds were going to be returned to me. And I kept asking how they concluded that no funds are owed to me and they cant answer. They refused to give me any details and only thing they said is I will not receive any funds from my account that I had funds in and they said they wont be sending it back to the sender of the wire either.

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX the account was closed. They said to wait 60 days to receive the remaining funds. Now the account is closes and they are holding the funds until the person who sent an ach transaction comes in with ID to verify they sent me the funds. The ach has not been disputed by the person and the person is out of the country so can't go into a bank. We asked to have the funds returned to his bank but they refuse

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2024-04-23 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC
State: SC

Complaint narrative:
We had a salesman come to our home to discuss installing a new shower to replace our bathtub. The price was agreed upon and this concluded in XXXX XXXX. We thought we would be paying XXXX directly and was never discuss where the funds were going to go. The salesman never once commented it would go to someone other than XXXX. If we had known we would have used our own bank that we had for over 25 years at the time. 
Payments were set up automatically and it was at that time we saw it didn't go to XXXX  ; instead it went to XXXX whom we had no idea who they were. Payments started in XX/XX/2018 and in XX/XX/2018 someone from XXXX took {$5700.00} from my bank. I called XXXX and told them and they sent the money back. The following month our {$6500.00} shower was now over {$11000.00} so I called and asked what was going on. I was told the money they took was done as the money they sent me back was done and they didn't get any money back. So they added that amount to the loan. I have been fighting them on this since 2018. And they have not only charged me finance charges on the original loan but started charging me interest on the second amount they added. I was paying {$100.00} a month instead of the {$79.00} and the finance charges are almost {$90.00} so the loan was never going to be paid off. We still owe over {$11000.00}. I have called more times than I can remember trying to get this fixed and they will do nothing. We have paid according to them {$5900.00} in interest and actual payments of {$1300.00}. They are calculating this on the original loan amount of {$6300.00}. They have charged us more than they should have and refused to acknowledge it. I know they have a class action suit against them and I would like to be a part of that. Trying to having anything change is as I believe at an end. We need help. I feel they owe us back the {$5700.00} and or close our account. I have stated this to them several times and getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - XXXX Account Number : 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 2024-04-22 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
Placed order with XXXX. Offered payment plan thru XXXX. Not given ANY details about return/refund policies. Received item. Returned item next day. Tried contacting XXXX & found out it was really AFFIRM. Spoke w/cs about return. Was told I had to make payments even if item returned. XXXX issued credit for return less {$480.00}. Requested help from XXXX XXXX AFFIRM over XXXX times without reply. AFFIRM reported nonpayment to credit bureau XXXX. Contacted XXXX with details of purchase & return. Even though a credit of over {$4000.00}. issued, nonpayment of {$480.00} on credit report. XXXX XXXX went from excellent to good. Made payment of {$480.00} ( even though it was not owed ) Negative credit report not corrected or updated. Paid {$480.00} for NOTHING & Credit Damaged with no options to get it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
on my credit report it shows I owed a balance on a account dated XX/XX/2023 I have never had an account with XXXX I have always been on my parents account and the last 7 years I have been with mobile, someone stole my identity. 

Jefferson Capitol System XXXX I have sent out numerous of letters stating this debt does not belong to me. if an account was opened it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
{$75.00} transfer funds XXXX not working and navy federal take several days to accept transfers into account and back date transactions to cause overdraft fees to customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief