vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: DISCOVER BANK
State: NC

Complaint narrative:
I am unaware of this debt from Discovery Bank XXXXXX/XX/XXXX or inquiry from XXXX XXXX XX/XX/XXXX. With Discovery Bank I did not have a opportunity to dispute this informations.I didn't receive proper notification. Please send me certified mail receipt that I received it. I never requested a card from XXXX XXXX. I have also had some identity thief in which was report see attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My loan was serviced by Navient and beginning in 2009 i spoke with a counselor about my options. I provided information over the phone and was told my monthy payment would be around XXXX a month. My original loan amount was around XXXX. I was living in California and they encouraged me into forbearance for many years. I went through a loan rehab program with those feeds added to my balance. I came to find out that i was NEVER in an incomed based repayment plan. 

I have struggled to pay this amount and once when i missed a monthly payment which i called about and was told my note would not increase that it would just be added to the end my note was increased to around XXXX. 

I feel as though this was planned at the most and misinformation at the least. 

I asked for details many times and was never able to get anything other than a balance which as ballooned to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: DC

Complaint narrative:
On XX/XX/2024 I received notification that there was a hard inquiry on my credit report from XXXX XXXX XXXX XXXXXXXX. As I did not apply for any loans from XXXX XXXX XXXX XXXXXXXX, I contacted the bank to check using my name, phone, address and SSN if there was any account in my name opened and they verified that they had no accounts/ loans open with my information. On XX/XX/XXXX, I froze all XXXX credit reports. I was advised by a Transunion customer service reprsentation to file this report to gather evidence to support that the hard inquiry by XXXX XXXX was either fraud or done in error

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXXXXXX   Dear Experian, LLC XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute a late payment reported on my credit report with XXXX XXXXXXXX the account number is XXXX, it was opened on XX/XX/XXXXXXXX  with a balance of {$440.00}. This information seems incorrect to me, I request that you investigate this matter and remove the late payment from my credit report. Please provide me with an updated credit report reflecting the changes.

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 2025-01-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX or XXXX, XXXX, I noticed unauthorized charges on my prepaid debit card account. I immediately contacted my bank on XX/XX/XXXX, and attempted to contact the merchant where the charges allegedly occurred. On XX/XX/XXXX, I visited the merchant in person to resolve the issue directly. On XX/XX/XXXX, I submitted a formal dispute to the card issuer ( XXXX XXXX XXXX ) as recommended by the merchant. On XX/XX/XXXX, I was notified that the disputed charge of {$50.00} was actually declined, and a balance of {$50.00} appeared in my account. However, these funds were not made available to me. When I contacted the card issuer to request access to my funds, I was initially told they would be available in 3-4 days. After I complained about this delay, the card issuer extended the hold period to 7-14 days, seemingly as retaliation for my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I lived in this apartment complex 8 years ago. The complex went through several ownership changes during my time of living there. There was several issues with the billing and accounting from one owner to the other. I resolved all accounting with the last management and the agreement was made there was no monies outstanding. At the conclusion of my lease, I moved. After moving, this debt appeared on my credit report. I was not evicted, I was not asked to move for non-payment of rent and the dollar amount owed makes no sense in comparison to the rent amount I paid. 

I have contacted the property management, which has changed again 3 times since I moved and I get no resolution. I have been told the records no longer exist.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate bankruptcy information that is currently listed on my credit report. The bankruptcy, dated XX/XX/year>, is incorrectly associated with my credit file. Upon further investigation, I have found that this bankruptcy case pertains to an individual with a name similar to mine, but it does not reflect any financial proceedings related to me. In accordance with the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. Under Section 611 of the FCRA, I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. I am exercising this right to request that you immediately investigate this matter and remove the incorrect bankruptcy information from my credit report. Attached to this letter, you will find supporting documentation, including proof of my identity and any relevant details to assist in your investigation. I kindly request that you notify me in writing of the results of your investigation, as required by law, and provide me with an updated copy of my credit report once the inaccurate information has been corrected. I appreciate your prompt attention to this matter and expect the error to be corrected within the 30-day timeframe stipulated by the FCRA. If you require any additional information from me to complete your investigation, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: EQUIFAX, INC.
State: MN

Complaint narrative:
When i submit written complaints, Equifax keeps " verifying the validity '' of a debt held by calvary financial, but refuse to respond or admit the debt is over 7 years old and therefore barred from credit reporting by federal law. When i call in, they refuse to verify me no matter how much information i provide and force me to play guessing games over 10-30 year old closed accounts. When they finally do verify me, they claim they cant find anything about calvary financial group despite " verifying the validity of the debts '' over and over in disputes and complaints. 

This is not a duplicate. This is ANOTHER complaint because now EQUIFAX claims on the phone that they have no records, despite it STILL showing up in my credit report online and requests by banks. 

If this is not removed as required by federal law i will file suit including for financial damages of {$100000.00} per day in direct economic losses and loss of future earnings potential.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis is violating state and federal law known as the Fair Credit Reporting Act. I have previously disputed this information and LexisNexis claimed to have verified the information as accurate. I am in disagreement still and before suing LexisNexis I will give you one last opportunity to comply before I have to start the civil filing. 

The information I am in disagreement with is as follows : Identification Records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ms XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Number : XXXX XXXX : Record XXXX Ms XXXX XXXX Record XXXX Ms XXXX XXXX XXXX XXXX : Record XXXX XXXX XXXX XXXX Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Record XXXX XXXX XXXX I will seek damages in the amount of XXXX which is allotted under FCRA. XXXX per incorrect item. I have a right to privacy and not have my information shared. You are also violating trust property by reporting any such negative information. The trustee has not given any permission for the debtor information to be used. 

Anyone listed on the business filing with the state of Georgia will become liable for damages. I will not provide any further notice or dispute this information again. You have 7 days to delete anything you do not have a right to report. 
Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
My data was breached and This account was opened while I was in prison under the FCRA USC 1681 I demand that it be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1. XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting 3. XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting 4. XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting 7. XXXX  - XX/XX/XXXXXXXX  The following inquiry was no and should not be reporting 8. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting 9. XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXXXXXX  The following inquiry was no and should not be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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:
I am writing to formally demand the immediate removal of inaccurate information from my credit report. Upon review, I have identified errors that do not pertain to me and must be corrected to ensure the accuracy of my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure that all information on a consumers credit report is accurate, complete, and verifiable. The disputed information fails to meet these standards, and I am exercising my right to have it thoroughly investigated and corrected. 
To support my dispute, I have enclosed the following documentation : 1. A copy of my government-issued photo identification.

2. A copy of my Social Security card.

3. A copy of my credit report with the inaccurate information clearly highlighted. 
I demand the following actions from Experian : 1. Immediate Removal of the Inaccurate Information : The disputed information must be deleted from my credit report without delay.

2. Written Confirmation of the Removal : I expect written notification of the results of your investigation, as required by law, including confirmation that the inaccurate information has been removed.

3. Provision of an Updated Credit Report : I request an updated copy of my credit report reflecting the removal of the disputed information.

4. Assurance of Compliance : I expect Experian to implement steps to ensure that its reporting practices adhere to the FCRA to avoid future inaccuracies. 
This matter requires your urgent attention. Failure to resolve this issue within the legally mandated 30-day investigation period may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) or pursuing legal remedies. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution and confirmation of the corrections. 
Sincerely, XXXX XXXX XXXX Enclosures : Copy of Government-Issued Photo ID Copy of Social Security Card Highlighted 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 2025-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens bank contacted me that fraud detection was used on my card, I have requested the money to be returned to me and they denied it and said no fraud, I did not make the three purchases of {$50.00} at XXXX that they alerted me about. 
Citizens has not complied with me to request how they came about their decision. 
I did not make these purchase on XX/XX/2024. 
I requested they reopen it and it has now been over two weeks. 
I am not well off and need the money to pay bills. 
Citizens has not been helpful at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had multiple CD accounts at XXXXXXXX XXXX This bank failed and funds were transferred to bb & t. I believe BB & T is now truist. I went into a truist with my social security number and three different CD receipts. The manager was not able to locate the accounts. I tried creating online accounts with truist. they do not accept or account numbers.

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 2025-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I spent {$86.00} from XXXX store in XXXX, which I then paid off the amount {$86.00} on XX/XX/XXXX. I found the account number on the receipt when I purchased it. I couldnt get a statement and a credit card by mail until now, but I got an email from XXXX Bank. I did not know that this bank was related to XXXX. I spoke to them over the phone about the balance and I requested a dispute letter from your customer service, but they said they dont have any system for dispute letters. XXXX by month the amount increased and now I see the balance {$160.00} via an email from XX/XX/XXXX. The XXXX Bank tried to report to my credit bureau and debt collection. My request is to adjust the whole amount and email me a confirmation letter because this balance of {$160.00} is completely unfair.

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 2025-01-05 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:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XXXXThe following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting.

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