vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
My credit report has incorrect, and incomplete personal information which makes it hard to apply for credit or even open new accounts. This is frustrating because this is my 3rd time sending a letter to update my personal information and no action has been taken! It is imperative to address the persistent issue of inaccurate and incomplete personal information on my credit report, hindering my ability to pursue credit applications or open new accounts with confidence.

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 2024-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
My loans should have been fully forgiven last XXXX and are still showing a balance Id owed and are reporting that to the credit agencies. I am trying to buy a house and this is hurting my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My PayPal Mastercard was shut off without notice having a XXXX credit limit only using less than 20 % utilization. I also never missed a payment once. Refused to re open my card and told me reapply then denied me

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian offers no way to cancel their " Experian CreditWorks Basic : Free '' membership. As a result of having this membership my FICO score took a hit because of system issues on Experian 's end resulting in my energy bill disconnecting from my account.

There is absolutely no way to reach a human being using their phone number, I tried for 20 minutes. Following the voice prompts to cancel your account leaves you in a circular loop.

There is also no way to cancel your account online.

I want this " free '' membership canceled and my information removed from their system. Please help.

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 2024-04-02 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-04-02 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: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is a XXXX credit card through Wells Fargo. It was acquired in XXXX for our rent payments in our building, XXXX XXXX, NY, NY. Besides rent, the card was only used initially for a few outside charges in the first month, per the card requirements. We moved from this property XX/XX/XXXX and requested to close the account since we would no longer use it to pay rent. It is apparent that the account was never closed because on XX/XX/XXXX and XXXX, XXXX, there were XXXX charges made. Charges made in XXXX XXXX, {$310.00}, {$550.00}, {$940.00}, and {$2500.00}. The pattern is very typical of fraud with the amounts being rounded, exact amounts and gradually getting larger as the charges went through. We have never been to XXXX XXXX. Also there is no pattern of any other charges on the card throughout the year of the account being open. The card number used is a new card that is not in my possession. I have never activated that card, but somehow the bank allowed it to be used. I reached out to Wells Fargo and was told it would be researched and the account would be closed per my request. This has never happened. I have been called and sent letters by the XXXX department requesting payment. When I reiterated that these are not my charges, I was told again it would be researched. The account remains open despite the fraud and my requests. My credit is being affected because the bank is reported my lack of payment, charging interest and late payment fees. I otherwise have a XXXX XXXX of very good/excellent and do not have other outstanding balances on cards. I believe there is a scam with Wells Fargo and XXXX. I have demanded to have my account closed with no compliance and the charges have not been reversed. I have never experienced these problems with any other bank or credit company. I do not have the full card number because I never received the physical credit card that was fraudulently charged. The statement shows the last XXXX digits as XXXX. I have never activated this card because I do not possess it. I greatly appreciate your assistance with this matter.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Please state payment was made weeks ago and they won't give XXXX balance and update they are still fraudulently reporting the incorrect amount after numerous attempts to make the payment they wouldn't take the payment over the phone had to mail and it was a difficult process as a consumer.

This is adversely affecting my credit and My home buying process causing me a damage of possibly losing my deposit.

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 2024-04-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This student loan was signed for in XXXX originally with Bank of America. To my understanding, the funds were sent directly to the university. Bank of America never sent me statements or attempted to contact me for any delinquencies. Around XX/XX/XXXX I received notification from XXXX XXXXXXXX XXXX XXXXXXXX that they were suing me for not paying the debt, I asked them for proof of the disbursements where the checks were sent and who endorsed the checks. I also asked for a payment history since I assumed that money was already sent to the university and combined into my other student loans which I have paid on time. There has been no action on their part for XXXX years, which I told them that I believe this violates the statute of limitations in the state of Florida, I retained a lawyer, but they are continuing to drag this on, and not provide any proof of the last action or even payment on this loan.

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 2024-04-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Macys said I open an account for a credit card in XXXX XXXX. I never received a card and never had access to the account even to this day. 
It wasnt till XX/XX/XXXX that I realized that the account was delinquent I had no means of being aware of any of it until it hit my credit score. I tried to talk to Macys about it. I ended up {$200.00} to rectify the account stuff but my credit score has not recovered.

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 2024-04-02 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: IL

Complaint narrative:
I sent letters to Experian requesting that they remove 4 collections from my Credit Report due to the accounts reporting inaccurately. I also sent letters to the Debt Collection Agencies that are reporting the inaccurate accounts. The Debt Collection accounts that I'm referring to are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were no changes or updates made to my Credit Report regarding these accounts. The Debt Collection Companies listed about did not satisfy the Consumer Credit Laws stated in the letters that I sent to the said companies.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
South State Bank had a date breach in which hundreds of customers social security numbers were released including mine. Then, they offered identity theft monitoring thru and unknown poorly rated company. This is my social security number with my name and account number!!!! Now they're buying the cheapest monitoring. This is totally unacceptable. Only top rated companies such as XXXX, XXXX or XXXX XXXX should be used for SS number breaches. This will follow me for the rest of my life and XXXX year of coverage is not enough!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY XXXX  XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS

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 2024-04-02 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NV

Complaint narrative:
On approximately XX/XX/2024, I became aware of an outstanding balance being reported within the credit bureaus on my credit report. I mailed a signed copy of a Debt Validation, requesting any and all information regarding the balance and proof of money owed, to the company listed, IQ Data. As of XX/XX/2024, I have not received any information or correspondence from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has taken well over XXXX to delete item fraudulently reporting to credit report & have not send any evidence on how they keep verifying the inaccurate fraudulent account 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 2024-04-02 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: IL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was advertised a {$200.00} bonus to opened a Business Checking Account with Bank of America. These are the terms to receive the new bonus, Open a new Business Advantage Relationship Banking or XXXX XXXX XXXX Banking account ; AND Make qualifying deposits of {$5000.00} or more in New XXXX directly into a new eligible Bank of America XXXX XXXX XXXX account within XXXX ( XXXX ) days of account opening ; AND Maintain an average balance of {$5000.00} during the Maintenance Period** in that new Business Advantage checking account. 

The Maintenance Period begins XXXX ( XXXX ) calendar days after account opening and ends XXXX ( XXXX ) calendar days after account opening. 

This is the transaction history of the account : XX/XX/XXXX : Account opened XX/XX/XXXX : Account funded with {$5000.00} XX/XX/XXXX : Maintenance Period ends at XXXX  days after account opening XX/XX/XXXX : Current account balance was {$5000.00} Please help me get the new account bonus that Bank of America advertised to me.

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 2024-04-02 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: GA

Complaint narrative:
I was in XXXX XXXX which whom l have a cc with and issuing bank is a XXXX Bank. I was in XXXX XXXX on XXXX and was offered a credit increase but was denied from XXXX credit bureau. XXXX days later l received a letter via email from XXXX bank with my XXXX XXXX card stating they had pulled my credit report from XXXX and deceased my credit limit with XXXX cc. I immediately notified XXXX Bank XXXX XXXX # XXXX ) asking why did they pull my credit report because it was unauthorized. XXXX filed a complaint and explained she didnt know why XXXX Bank XXXX with the account being so new. In XXXX Bank XXXX agreement page XXXX it only states they can increase/ decrease cc limit ONLY. They have violated my rights as a consumer via the CFPB rights 15 USC 1681b Permissible purposes of consumer reports. I did not authorize this report. Its damaged my fico score and denial of credit. XXXX bank took upon themselves because l ask for a credit increase on XXXX and was denied to evaluate my other account with them and this is unlawful

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 2024-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
I applied for XXXX through the gov website. The application has been sitting in Mohela 's queue unprocessed for almost XXXX months now. I have sent XXXX messages XXXX and XX/XX/24 through their website asking them to get on with processing it only to get useless canned responses and no action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief