vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
They are reporting inaccurate inquiries 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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under XXXX usc XXXX. The accounts below have violated my rigthts XXXX XXXX XXXX section XXXX A. XXXX i have the rights to privacy. XXXX XXXX XXXX Section XXXX A section XXXX, It also states a consumer reporting agency canoot furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX ) XXXX Section states ) no consumer reporting agency XXXX make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than XXXX years XXXX u.s.c XXXX XXXX A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Delete the accounw below Inquiries Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Ive had a Capitol One Credit Card since XXXX, in XXXX the interest rate shot up, I requested to have it lowered so I could pay it off. 
I always paid on time, and made minimum payments, then doubled up on payments in XXXX. I had to move under duress and lost my job by XX/XX/XXXX. I have not been able to pay the minimum amount plus interest and late fees. 
I have called multiple times to request a settlement, assistance, and even attempted to enroll in less than optimal programs ( multiple ) to no avail. Ive applied to other Credit cards to transfer the balance and pay it off sooner but Capital One never allowed my credit to recover from this one credit card.

My ex works for Capital One and I believe they are punishing me for leaving that XXXX XXXX marriage with their long time employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I asked this company to send me the original contract with my signature on it to validate this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: WI

Complaint narrative:
In XX/XX/2021 I closed an account with XXXX XXXX and experian is refuses to correct the issue on my experian credit report The account should fall off of my experian credit report XX/XX/2031 not XX/XX/2033 The account with XXXX XXXX was closed 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 explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Klarna AB
State: PA

Complaint narrative:
i used klarna to make XXXX purchases. they take pmts every XXXX weeks. XXXX of my packaged was missing an item so i was alloted a refund from the merchant. another package was placed at the wrong house and i was refunded as well. the refund went thru klarna when they refunded they miscalculated the amount i advised them at least 6 times theyre math was off. they kept sending me in the same circle.not giving me the diffrence of they owed me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: IL

Complaint narrative:
XX/XX/XXXX : Mohela placed my federal student loan account on administrative forbearance. 
XX/XX/XXXX : Mohela charged my checking account {$390.00}. 
XX/XX/XXXX : I spoke with representative requesting a refund ; he said I was not eligible because my account had been on processing forbearance, not administrative forbearance. I had to show the letter dated XX/XX/XXXX stating I was on administrative forbearance, not processing forbearance. Customer service representative hung up on me. I called back and a different customer service representative requested the refund to my checking account in the amount of {$390.00}. 
XX/XX/XXXX : I called to get an update on my refund and was informed that the refund was processed on XX/XX/XXXX and returned to my account. It was not. I requested documentation stating that they had returned the funds to my account on XX/XX/XXXX and was informed they would not provide that documentation. 
XX/XX/XXXX : I submitted a complaint to Federal Student Aid Complaint Center. I received acknowledgement they received my complaint and will respond within XXXX  days. 
XX/XX/XXXX : I received an update from FSA that they are still reviewing the case and will respond within XXXX  days. 
XX/XX/XXXX : I have still not received a refund of {$390.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: ME

Complaint narrative:
Friend sent money using chime It said free transfer to debit card Got oops sorry something wrong Returned to main menu and created account to transfer money Went to transfer or cash out the XXXX dollars now says have to activate card to cash out Called customer service and I have to wait 7-10 days for a bank card I do not want and a bank I do not want Free instant transaction I think not

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: MI

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed my personal information was incorrect. I have multiple variations of my first name and last name and my address. My phone number and job history is not correct. I have attachments that will show you inconsistent information. 
Address XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX These address are not valid and should be deleted 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 non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I am concerned about the method of collections. In the past week, I have received calls after XXXX p.m., received XXXX calls within XXXX seconds where they hang up every time I answer, and was left a voicemail where the agent was clearly on a personal call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2024. I sent the attached security to satisfy the debt in question. I received a response indicating that they would not accept this form of payment.

As a Bona Fide Purchaser, it is my right to exchange value for goods and services. I accepted the demand for payment and sent back my value to exchange for the good provided. The servicer for the loan is refusing to accept the payment. Under UCC 3-603 B, if tender of payment of an obligation to pay is refused, there is discharge, to the extent of the amount of the tender.

Also there was a breach of my right to privacy, when XXXX contacted my sister, without my written permission. 
A XXXX from this organization, illegally contacted my sister, without my permission. 

Representative : XXXX XXXX # XXXX Option # XXXX Extension XXXX I seek remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. XXXX PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX ( Original Creditor : XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Every time they call me I asked them to send me the original contract with my signature on it to validate this debt and I havent received anything yet

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
Recently was made aware of a scam being perpetrated by LexisNexis Risk Solutions on consumers for the purpose of greed. On XX/XX/XXXX and XXXX, XXXX, emails were sent to XXXX XXXX CEO of LexisNexis Risk Solutions whereby no reply was ever received regarding the selling of my private personal information to insurance companies for the purpose of being able to increase auto insurance premiums on unsuspecting consumers.. I had contacted LexisNexis Risk Solutions due to these articles : XXXX XXXX XXXX? XXXX XXXX XXXX XXXXXXXX The reason for my email was due to a XXXX % increase in my annual auto insurance premium. For the record, I am a XXXX citizen with a XXXX, driving less than XXXX miles annually with no auto claims and no ticket citations in over 30 years and living on a fixed income. My annual auto premium went from {$1400.00} to {$2300.00} with no reasonable explanation. 

On XX/XX/XXXX, I completed a request for a copy of my sensitive report thru the LexisNexis Consumer Portal uploading a copy of my expired passport and a copy of a utility bill as requested for identification. I received an email dated XX/XX/XXXX, stating I would be contacted within XXXX to XXXX hours. I was never contacted and then called the LexisNexis Risk Solutions corporate office at XXXX in XXXX, Georgia and spoke to a person named XXXX at XXXX pm on XX/XX/XXXX who refused to assist me unless I gave her numerous pieces of personal sensitive information over the phone. I stated a copy of the email from LexisNexis with the case number could be emailed to her to verify but she nastily refused. I allege LexisNexis Risk Solutions is purposely ignoring my request for a copy of my Consumer Disclosure Report that I have been attempting to receive for over six ( XXXX ) weeks. 

This deplorable action on the part of LexisNexis Risk Solution has cost me to have health issues involving stress and bodily pain issues as to how my private information is now easily accessible to scam artists and thieves. For the record, I was compromised by XXXX XXXX in XXXX when I had never even contacted them in any way whatsoever yet they had my information. Kindly note, this practice of selling consumers information without their knowledge or permission is a violation of the The Fair Credit Reporting Act, The Florida Deceptive and Unfair Trade Practices Act and the Florida Common-Law Invasion of Privacy Act. LexisNexis Risk Solutions is breaking both Federal and State Laws, For the record, no phone calls are to be received from LexisNexis Risk Solutions, only emails will be accepted. I have placed a phone number that does not exist above for this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

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 explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under XXXX usc XXXX. The accounts below have violated my rigthts XXXX XXXX XXXX section XXXX A. XXXX i have the rights to privacy. XXXX XXXX XXXX Section XXXX A section XXXX, It also states a consumer reporting agency canoot furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX ) XXXX Section states ) no consumer reporting agency XXXX make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than XXXX years XXXX u.s.c XXXX XXXX A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Delete the accounw below Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation