vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: NC

Complaint narrative:
I made my final payment to pay off my loan on XX/XX/XXXX, and it was reported incorrectly to the credit bureaus as being delinquent. I went into the branch to speak with the branch manager, XXXX, with supports showing the payment was made on XX/XX/XXXX and not XX/XX/XXXX. He took copies and sent them over to corporate to be corrected. XXXX reached out on XX/XX/XXXX, leaving a voicemail stating processing occurred an hour earlier on XX/XX/XXXX, which is why my payment was posted on XX/XX/XXXX instead of XX/XX/XXXX ( the day I paid ). He stated that the issue would be corrected. On XX/XX/XXXX, the details were updated with the credit bureaus. In turn, the late payment from XX/XX/XXXX was removed, but two late payments during COVID-19 in XXXX were added. These payments were not previously on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Not reporting to CRA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: TX

Complaint narrative:
I do not recognize these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian, XXXX XXXX, and XXXX has failed to provide the method of verification for the XXXX XXXX XXXX account reporting on my credit report. I have written Experian numerous letters request and verification methods. However as of today no method or proof of verification has been given by Experian nor XXXXXXXX XXXX XXXX. As a result of this inaccurate reporting my credit score has dropped tremendously and it has caused me to be denied credit by several different companies. 
Furthermore I feel that experience is not providing their method of verification because they are using secondary credit reporting agencies that they own. The use of such is a complete conflict of interest and violation of all FCRA Laws. 
Please inaccurate reportings are causing harm stress and unnecessary financial burdens on me due to my current utilities, insurance, and other necessity bills are based on my credit worthiness and report. Especially insurance I'll pay all your premium because of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
A father claim with TD Bank I made a deposit for {$1000.00} only a dollar clear from this deposit the ATM after me the deposit shut down I was not provided with a receipt I filed two claims they were both denied. These are the claim numbers : XXXX XXXX I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone is sending bogus info to XXXX XXXX. All the banks have the same account number. Waiting for copy of police report that will include the people doing this. I am a victim of fraud

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 2024-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
A collection company forcefully put a collection on my credit report. I DO NOT OWE THE DEBT. I have never ever own any medical bills. They constantly taunt me with this force debt every year. I have sent a certified mail to the collection company to provide all the information of where, when and how this debt was owned. I never hear from them. Instead they always communicate with XXXX. At this point I think XXXX work hand in hand with collection companies to forcefully get money out from naive individuals and put FORCE information on people who strive to keep good credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
I have a XXXX XXXX credit card. Towards the end of XXXX, this card was transferred to Continental Finance thru the XXXX XXXX XXXX Ive tried to make a payment several times over the past 10 days. Most recently, Id logged into the new servicing website, made a payment and nothing happened. They indicated theyd flagged my account for fraud as I was trying to pay too high of a payment. My balance is {$3300.00}. My full payment could not be processed. After calling multiple times, a supervisor recommended I lower the payment as theyd never seen anyone try to process that amount. Rediculous as my balance should be available to pay. On XX/XX/24 I reduced my payment to half, {$1600.00} with expectation to process the other half XXXX. This morning I logged in to complete and the payment has disappeared from the website. Im only allowed 2 payments per week and now due to the timeline I have no ability to process the full amount before interest posts. This is the most difficult credit card payment Ive ever experienced.

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 2024-03-02 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: TX

Complaint narrative:
I do not recognize these accounts

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 2024-03-02 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: TX

Complaint narrative:
I do not recognize these accounts

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Not reporting to CRA XXXX XXXX equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Not reporting to CRA XXXX experian XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: IL

Complaint narrative:
On XX/XX/2024, I was reviewing my credit report and observed that there were new hard inquiries to my credit report that I did not authorize. I have contacted the institutions and they have zero information associated with the accounts or information to provide. I have called Transunion and they have not helped remove the hard inquiries mentioned. I demand this to be removed immediately

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 2024-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Re : : Gemini account, I have held a gemini crypto account for several years. I often travel and work around the globe. In XX/XX/2023 I logged into my gemini account from overseas. 

After my travel, I noticed my account had been frozen. Gemini has asked for photo verification, bills, and now its asking for Specific details about my travel and overseas work contracts, etc. 

This seems rather invasive and I am reluctant to handover my travel information ( I gave them copies of my bills ) I have made many inquiries as to the progress and either no response or form letters. 

As stated, this lack of access to my account has gone on since XX/XX/2023 with no resolution. 

Your help is greatly appreciated as this feels fraudulent, and I no longer have access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On a number of occasion 's I have received applicants for credit cards to my address from people that do not live here. Complained to the USPS not to deliver unless its to the two names that do live here.

They have done a pretty good job, but if my regular postal man is off i

t may still get thru. I have also told Capital One Bank that this was happening.
I have now received a credit card, my address, different name from Capital One Bank. 

They are not performing their job if they can not determine whether or not the person lives here or not. 

Is there something you can do to make them tighten up their security?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have unknown inquiries on my report that needs to be removed 15 USC 1681 PERMISIBLE PURPOSES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: IL

Complaint narrative:
i just recently looked at my credit report and noticed that things were inaccurate with a few of my accounts. i want to make sure that everything is 100 % correct and accurate can you please reinvestigate the accounts listed below

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 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want these inquiries to be deleted because I did not authorize these companies to run my credit its fraudulent.

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 2024-03-02 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: MI

Complaint narrative:
XXXX  agreed to remove the late payments from a complaint I submitted through the consumer, financial protection bureau and they never did. I disputed the information after the alotted time passed and XXXX  did not remove the late payments.

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 2024-03-02 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: MI

Complaint narrative:
XXXX  agreed to remove the late payments from a complaint I submitted through the consumer, financial protection bureau and they never did. I disputed the information after the alotted time passed and XXXX  did not remove the late payments.

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 2024-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC
State: AR

Complaint narrative:
I was harassed and threatened by this lady XXXX, calling from a processing company after balance credit already told me they were working with XXXX XXXX XXXX, and I had my power of attorney to manage my account, and when I have tried to follow up with them about that they will not answer me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: PA

Complaint narrative:
This company is reporting inaccurate information on my credit report. I have sent letters to this company on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX asking for validation of all debts, and proof of verification. They keep sending me stall letters via email & mail stating that its not me thats sending the letters and refusing to take action. I have also disputed online on XX/XX/XXXX for inaccuracies that I have found on my credit report and on XX/XX/XXXX I received an update that the accounts were updated. They didnt change anything nor did they respond.

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 2024-03-02 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: OH

Complaint narrative:
This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 
Transunion XXXX XXXX XXXX Balance XXXX Date Opened XX/XX/XXXX Acct Number XXXXXXXX XXXX XXXX XXXX  Balance {$470.00} Date Opened XX/XX/XXXX Hard Inqurires XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
This is a complaint against Nelnet. During COVID, when all student payments were paused, I WAS STILL PAYING MINE. I applied to XXXX for the PSLF program and then my loan was paused while the loan was switching from Nelnet to XXXX. I received 2 letters from Nelnet ; one stated my loan was paid ( transferred ) and another stating the loan was 90 days past due, when it was paused due to the loan being transferred to XXXX. It was ILLEGAL TO DO SO DURING THAT TIME, AS ALL STUDENT LOAN PAYMENTS WERE PAUSED. I contacted Nelnet upon receipt of this letter and the TREMENDOUS HIT TO MY CREDIT SCORE and they denied making a report to the credit bureaus. My credit score dropped from XXXX to XXXX in XXXX DAY. Upon checking my credit score today, It is still showing as delinquent on my credit report. I want this removed immediately. This has had a huge financial impact me and the delinquency was false information in violation of the CARES imposed during Covid. 
***The U.S. Department of Education expanded the student loan borrower relief offered under the CARES Act to defaulted student loan borrowers in the FFEL Program . As a result, XXXX has suspended all adverse collection activities and interest accruals through XX/XX/year>. **** This report made by Nelnet to my credit report is a DIRECT VIOLATION OF FEDERAL LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was contacted by resurgent ( lvnv funding ) regarding a credit card debt from XXXX. I contacted resurgent ( lvnv funding ) and requested that all communications cease and decist. 

Resurgent ( lvnv funding ) has since sent me two letters and called once. 

Attached is the screen shot of the request sent to resergant ( lvnv funding ) as well as the most recent letter. The letter states I requested verification of debt. I never requested this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Starting XX/XX/XXXX I noticed I started getting pinged for credit inquiries, both soft and hard. Didn't think much about it, until too many inquiries were hitting my report. Someone has my information including but not limited to social security number, email, phone number, date of birth. This allowed them to make the following inquiries to allow them to open several accounts ( credit cards/debit cards/cell phone ) : XXXX. XX/XX/XXXX - credit card attempt with Capital One = XXXX XXXX. XX/XX/XXXX - credit card attempt with XXXX XXXX XXXX  = FRAUDULENT XXXX XXXXXX/XX/XXXX - credit card attempt with XXXX = XXXX XXXX. XX/XX/XXXX - credit card attempt with XXXX = XXXX XXXX. XX/XX/XXXX - credit card attempt with XXXX XXXX  = FRAUDULENT XXXX. XX/XX/XXXX - account + cell phone purchase with XXXX = FRAUDLENT XXXX XXXX  XX/XX/XXXX - credit card with XXXX XXXX = FRAUDULENT There are likely more out there on the different credit bureaus ' reports for me, but these are most of them. Also, and perhaps the most disturbing event happened XX/XX/XXXX. Someone in a black hoodie came and rifled through my mailbox, no doubt looking for a credit card he ordered or to get hands on proof of address from my home. Totally creepy. XX/XX/XXXX, while I was away for business in XXXX, my wife, XXXX XXXX opened a police report on my behalf. Report XXXX was filed with XXXX XXXX Police Department , specifically with Officer XXXX XXXX XXXX XXXX. Outlined in there were the several pieces of identity theft as well as the event where someone came to our home. I had opened disputes and thought this was all taken care of until this week, more than a year later. 

In the attempt to move/purchase a new home, my credit report showed a low number in the XXXX 's. Seeing as how I have no debt outside my mortgage and one other 0 % interest plan, I couldn't fathom why it was so low. Come to find out the hard inquiries were never removed, and the XXXX account with {$130.00} past due was never truly closed and removed either. Over the past 24 hours I have spend 10+ hours with credit bureaus and vendors attempting to remove the fraud on my account in the hopes my credit can be repaired to the high XXXX 's to help with a lower mortgage payment come XX/XX/XXXX in my new home. 

This has cause XXXX  and stressors on my family that I wouldn't wish on my worst enemy. I can only hope whoever reads this has sympathy on me, as I am a law abiding citizen that doesn't allow himself/family to live in perpetual debt. Please help me heal my score and my family as we move into a new chapter of life. 

Thank you and XXXX bless. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief