vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2023-10-09 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-09 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: CA

Complaint narrative:
There are two student loans on my credit report that I never authorized to open and i never used them. I never went to college. The student loans reporting are XXXX XXXXXXXX XXXX XXXX. I tried speaking with the company and they told me I have to file an identity theft affidavit and submit that to them and the credit bureaus. They make it really hard and it's not fair.

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 2023-10-09 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: SC

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: TX

Complaint narrative:
Subject : Request for Removal of Inaccurate Late Payments from Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention an issue with my credit report that I believe requires immediate attention as it is affecting my creditworthiness and financial standing. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681B, it is mandated that the information in credit reports should be accurate and complete. 

Upon reviewing my credit report, I noticed that there were two late payments reported on my account. However, I would like to emphasize that these late payments were inaccurately listed. As a responsible consumer, I have always ensured timely payments on all my accounts. The information provided in my credit report does not reflect my accurate payment history, and this discrepancy is causing significant harm to my credit score and overall financial well-being. 

I kindly request that you investigate this matter and remove the inaccurate late payments from my credit report as soon as possible. I have enclosed copies of relevant documents, such as my payment receipts and statements, to support my claim and verify my payment history. I believe that a thorough review of this evidence will confirm the inaccuracies in the late payment listings on my account. 

I am confident that your prompt attention to this matter will result in the removal of the erroneous information from my credit report, thereby restoring my creditworthiness to its accurate state. I appreciate your cooperation and understanding in resolving this issue. 

Please inform me in writing of the actions taken to investigate and rectify this matter. You can reach me at the phone number or email address provided above if you require any further information. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Request for Removal of Inaccurate Late Payments from Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention an issue with my credit report that I believe requires immediate attention as it is affecting my creditworthiness and financial standing. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681B, it is mandated that the information in credit reports should be accurate and complete. 

Upon reviewing my credit report, I noticed that there were two late payments reported on my account. However, I would like to emphasize that these late payments were inaccurately listed. As a responsible consumer, I have always ensured timely payments on all my accounts. The information provided in my credit report does not reflect my accurate payment history, and this discrepancy is causing significant harm to my credit score and overall financial well-being. 

I kindly request that you investigate this matter and remove the inaccurate late payments from my credit report as soon as possible. I have enclosed copies of relevant documents, such as my payment receipts and statements, to support my claim and verify my payment history. I believe that a thorough review of this evidence will confirm the inaccuracies in the late payment listings on my account. 

I am confident that your prompt attention to this matter will result in the removal of the erroneous information from my credit report, thereby restoring my creditworthiness to its accurate state. I appreciate your cooperation and understanding in resolving this issue. 

Please inform me in writing of the actions taken to investigate and rectify this matter. You can reach me at the phone number or email address provided above if you require any further information. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I sent letters to XXXX, EQUIFAX and XXXX about account XXXX account number XXXX with proof that they are reporting inaccurate information on my credit which is negatively impacting my life. I can not get a job that I desperately need because these companies are not reporting accurately. The payment history is completely inaccurate also the dates, limits and activity if this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: FL

Complaint narrative:
On XX/XX/2023 I sent letters to EXPERIAN, XXXX and XXXX about account XXXX  account number XXXX with proof that they are reporting inaccurate information on my credit which is negatively impacting my life. I can not get a job that I desperately need because these companies are not reporting accurately. The payment history is completely inaccurate also the dates, limits and activity if 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: Nelnet, Inc.
State: AL

Complaint narrative:
Over the summer after my change over to Nelnet from Great Lakes, I knew I was ready to begin making payments needed on my student loans. After the introduction of the SAVE plan, I submitted an application. From that point, I left pursuit of my graduate education and needed to resubmit to get out of the grace period afforded to me. I'd already previously been placed on the SAVE plan for my undergraduate loans with a payment of {$0.00} but needed to know what it would be with my new income and graduate loans in repayment. I resubmitted in XXXX and have now been put into administrative forbearance which makes me fully liable for the interest accrued on my student loans since XXXX. I asked specifically to be removed from from deferment/forbearance at the time of my application from my REPAYE to SAVE and have now been put back into forbearance which will cause more monetary hardship to my loan balance of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a high yielding savings account with a variable interest rate with ING Direct in XXXX. At some point, CapitalOne purchased ING Direct and I became a CapitalOne customer with a CapitalOne 360 Savings Account. At the time, interest rates were high and I received a high savings interest rate. As interest rates fell, the interest rate on my account understandably fell as well, eventually falling below 1 %. With the rise of interest rates in the last couple of years, I expected my interest rate to rise but instead my savings account interest rate has been frozen at .3 % since XXXX. I just learned that around that time CapitalOne created a new product called CapitalOne XXXX XXXX XXXX and began enticing XXXX customers with high interest rates while doing nothing to raise the interest rates for existing customers nor did they specifically notify existing customers about the existence of this new product - no email and no in-App notification. I am outraged that for the last 2 years, XXXX has paid me a pittance in interest when I have had over $ XXXX deposited in my 360 savings account while it has been paying new customers over 4 %. They essentially abandoned existing customers in pursuit of new customers and never bothered to tell us. The rate on my 360 account was supposed to be variable as well but it has not moved above .3 % since XXXX. By my calculations, CapitalOne owes me at least {$10000.00} in interest. Please make them do the right thing and pay me this back interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an Amex gift card in XXXX. Since than I cant use it anywhere. I called to customer service in XXXX and XXXX and they said what I needed to do but I did everything already and still not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Company applied 2 inquiries even though I only applied for credit once

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 2023-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received an installment loan from Oportun. I have fallen behind, but the account is not in collections. 
Between XX/XX/XXXX and XX/XX/2023, I received 13 phone calls. 
Between XX/XX/XXXX and XX/XX/2023, I received 22 phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX with account number XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have tried to resolve this issue with EXPERIAN, XXXX and XXXX on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.

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 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUDF ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
when trying to make a payment online on the day it is due, capitol one will not accept the payment and forces you to note the payment made on the following day. then they give you a late payment date. date payment due. XX/XX/XXXX, attempt to make payment, XXXX XXXX act. # is XXXX auto loan. XXXX XXXX made the amt. due payment of XXXX on the XXXX of XXXX but XXXX XXXX would not accept the online bank debit payment until the XXXX time of attempt approx. XXXXXXXX XXXX XXXX XXXXXXXX payment are due on the XXXX of each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: U.S. BANCORP
State: MO

Complaint narrative:
I canceled XXXX room reservations through XXXX on XX/XX/23 due to illness. XXXX said they would issue a refund within XXXX hours. US Bank said it could take up to 10 days for a credit to post. I did not see a credit as of XX/XX/23 so I emailed them through their site and called customer service. Customer said they would help me challenge the charge, said they had to put me on hold to complete some work and hung up on me. As of XX/XX/23, I have not received a credit for the disputed charges.

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 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: TX

Complaint narrative:
I ordered a pair of shoes online from XXXX and when I received them I didnt like the way they looked. I decided to return them to a local XXXX store for a refund upon arrival I was greeted by a store clerk that assisted me for a refund using my credit card ending in XXXX I was expecting a refund using that debit card later on that day around XXXX a refund totaling XXXX was deposited on my card. The very next day Im checking my balance and it was in the negative balance as someone took it. I contacted my financial institution ( NETSPEND ) and they told me its on hold for verification so I sent In everything I had from XXXX for proof of the refund and netspend keeps denying my documents and dont want to release my funds.

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 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I purchased hearing XXXX from sams club and they are telling me that a check for {$1000.00} was not received by Synchron.I then went to my bank and obtained a copy of the check in question the front of the check and the back of the check and it states the check cleared.I have sent Synchrony all the information many times.I also sent the information certified and regular mail on several occasions.After they decide to credit my account the {$1000.00} then they will owe me $ XXXX believe that all this confusion happened because synchrony bank XXXX XXXX XXXX credit which I sent certified mail [ XXXX pages ] all the checks to [ front and back ] and they all cleared. I received no response from XXXX and multiple responses from synchrony bank.

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