vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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:
I am a natural, living human being, and I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681, and they violated my rights numerous times. Additionally, I have disputed these account multiple time and XXXX refuses to update and/or remove the accounts from my credit profile. XXXX continues to report inaccurate information on my credit profile, which causes additional hardship when applying for necessities that require my credit. This is a defamation to my character and caused higher rates on my auto loans, home mortgage, and credit cards. I demand that the accounts listed below to be removed because according to 15 USC 1681, I have the right to privacy and did not give XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry XXXX XXXX Hard Inquiry

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 2024-06-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank seems to be discriminating against XXXX XXXX. This bank increased my interest rate to XXXX percent. Owed a total of XXXX on XXXX cards and ALWAYS paid on time. Do they feel that we are going to die before we pay them. They should be run out of business. Closed both accounts and going to close JCPenney, which is also Synchrony, in the next hour. Shame on this greedy corporate entity.

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 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I went to an atm around XXXX and deposited {$760.00} the atm only added {$140.00} from my total amount and I didnt see the mistake until after I hit confirm on the atm. so I immediately called the bank and filed a claim which has taken a month to finally be denied by the bank my money was taken by the machine and Im being denied my money

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 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I arrived at the PNC XXXX XXXX at XXXX XXXX XXXX XXXX at about XXXX on XX/XX/XXXX to withdraw {$700.00} out of my checking account. The balance was just over {$910.00}. I was then told my the branch that this branch did not personally dispense cash, and that the only cash withdrawal possible was through the XXXX I then attempted to use the XXXX seeing as my XXXX limit was set at {$1000.00}. The transaction was processing, and as the machine made an odd noise, the money failed to dispense and said that the transaction was canceled. I checked my account to confirm that the transaction was cancelled and to my surprise, the transaction had posted leaving me with just over {$210.00}. I then approached another bank employee and asked to speak with the branch XXXX. The branch XXXX, XXXX, spoke to the employee and said to process a dispute. The employee, XXXX XXXX, tried processing the dispute which didnt go through. At this point it is XXXX and nearing this branchs closing hours and my money has still not been made available to me. I am obviously frustrated at the fact that I trust this institution with my money but they can not provide me with money out of my account because of a hardware issue and on top of that, wasted nearly an hour and a half of my time visibly stalling and claiming they can not print out the transaction details. Towards the end of the day, XXXX, when I asked what was being done to fix this issue and express my concern with the situation, XXXX XXXX XXXX to raise his voice with me and then stomped out of his office. The branch XXXX then brought me in her office and did everything she could do to help. Unfortunately, they had to overdraft my account for another {$700.00} and give me a cashiers check for the amount that I was attempting to get in cash in the first place. My only concern with the situation as I left was the fact that my money has still not been posted and that my account is now overdrawn, even though I now only have a cashiers check for the amount instead of cash, which if I had gotten cash in the first place I wouldnt have been overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I have worked for non-profits for over XXXX years, attended colleges that ended in useless degrees. I provided evidence for XXXX multiple times. Oddly, my husband and I attended the same schools with the same degrees. My husband 's loans were fully forgiven last year and mine have not been. Every time I email/call I get the same responses ; " not everyone is the same and we will forward the information. '' I was then placed in forbearance after requesting that I not be. I have been in forbearance since XXXX of XXXX and I call/email every month asking to he removed so I can make payments and I have yet to be removed as of XX/XX/XXXX. I have well over XXXX qualifying months yet, I continually forced into unwanted forbearance. Then spend hours on the phone waiting to speak with an agent/call center representative who can't support. When I email, the email says " looks like you have called, we will consider this matter taken care of '' XX/XX/XXXX and XX/XX/XXXX ( and more dates ) as of XX/XX/XXXX I am STILL in forbearance and have been teaching for over XXXX years and now the last XXXX months don't count for the 120 months needed that they say I don't have. It is almost like a joke. I am so frustrated because no one can answer any questions, no one can remove me from forbearance, no one will recount my months. What do I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Subject : Illegal Collection Reporting - Resurgent Receivables LLC Dear CFPB, Thank you for your service. I would like to report an issue with Resurgent Receivables LLC. I originally spoke to XXXX XXXX XXXX regarding this account. They confirmed that the account was included in my bankruptcy and was discharged on XX/XX/year>. Despite this, the account was sent to collections, and Resurgent Receivables LLC is now making me pay and has added it to my credit report. 

Please help me get this company to remove the illegal collection from my credit report and stop charging me for an account that has been discharged. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: GA

Complaint narrative:
Transunion, XXXX, & XXXX continue to report incorrect information even after my repeated attempts to get the information deleted. My name is XXXX XXXX there should be no other names listed. I have previously requested this name change and neither consumer agency complies. My address is XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my consumer report. The consumer agencies keeps replying that I need to contact various other creditors to have the information removed and that is not correct it is my job to validate or prove the information is correct this jobs lies with the consumer agencies since they are the ones reporting it. Since neither provided me with evidence to prove its correct I have filed arbitration against each consumer agency this is now your notice to pay the filing fees involved in which you will be notified of the proceeding.

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 2024-06-03 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint concerning persistent inaccuracies and procedural deficiencies in the handling of my credit report by multiple reporting agencies. Upon reviewing my credit report in XX/XX/2023, I identified several discrepancies that misrepresent my financial behavior and creditworthiness. 

Identified Accounts with Discrepancies : 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 

Despite notifying the concerned agencies and requesting a thorough reinvestigation, the responses I received assert that all information is complete and accurate. This conclusion is demonstrably false and contradicts the evidence I have attached with this letter. 

Legal Grounds for the Complaint : 1. Fair Credit Reporting Act ( FCRA ) Requirements : The FCRA mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports ( 15 USC 1681e ( b ) ).

2. Duty of Furnishers of Information : Under 15 USC 1681s-2, furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

3. Obligations Upon Dispute : As per 15 USC 1681i, if a disputed item of information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected by the consumer reporting agency, which then must notify the furnisher of the change.

Issues Encountered : 1. Inadequate Investigation : The agencies have failed to perform a proper reinvestigation as mandated by 15 USC 1681i. The evidence I submitted, which highlights discrepancies, was overlooked or ignored.

2. Lack of Communication : Contrary to 15 USC 1681i ( 7 ), I was not provided a detailed description of the reinvestigation process within the stipulated 15-day period following my request.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are addressed by having the disputed accounts deleted from my credit report, in accordance with 15 USC 1681i. This action is justified given the failure of the credit reporting agencies to adhere to the statutory requirements regarding the accuracy and verification of reported information. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Forever 21, XXXX XXXX XXXX and multiple credit card companies have been calling me asking me to pay debt that was accrued due to identity fraud. My mother opened multiple credit cards in my name and never paid off the debt. I have told this to multiple credit card companies that call me and think still think Im liable to pay debt that is not rightfully mine. I have even made a police report about my mother committing identity fraud and opening credit in my name. She used my name and fake birth year to act like I was legal to get a credit card and never paid the debt off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I can't remember is this my account but it's showing its closed on some of my reports and this was disputed before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: NV

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: RI

Complaint narrative:
XX/XX/year> I submitted XXXX or so disputes through CashApp for fraudulent transactions charged by XXXX. I included extensive documentation of my attempts to contact the merchant directly as well as my correspondence with the Wyoming State Attorney General ( where the business is registered ). These transactions were illegal as the company should not have been taking payments from customers within the state of Rhode Island. I had another similar company refund me for all purchases so I know the claim to be legitimate. The Attorny General also agreed and suggested disputing these purchases. CashApp has said the disputes are denied and their canned response says I can ask for documentation at any point. When I ask for documentation I am told the case is closed and no further information can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: CITIBANK, N.A.
State: MA

Complaint narrative:
In XXXX I made a purchase of storm door together with the installation service from the HomeDepot. For several months the contracted installer was not able to install and made severe damage to the building. After numerous conversation with the supervisor of the project, the local store manager and the online customer service, the purchase was refunded, hoever the damage to the property was never resolved. 

In XXXX this case was brought to the district court, JUDGEMENT FOR PLAINTIFF ( S ) DOCKET NUMBER XXXX Trial Court of Massachusetts District Court Department. JUDGEME

NT TOTAL PAYABLE TO PLAINTIFF ( S ) {$4800.00}.

The Homedepot never fullfilled the court order.

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 2024-06-03 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: GA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Venmo. 
A friend made 2 deposits on XX/XX/XXXX to be transferred to my account. The next day XX/XX/XXXX I requested a transfer of those funds ( {$1800.00} ) into my bank account. Today is XX/XX/XXXX and I have yet to receive my funds nor an explanation explaining why the funds haven't been transferred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-03 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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