vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-30 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: TX

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 

Items need to be disputed : XXXX : XXXX. XXXX XXXX BANK XXXX Account XXXX : XXXX Date XXXX Balance Owed : $ XXXX XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX : XXXX. XXXX XXXX BANK XXXX Account XXXX : XXXX Date XXXX Balance Owed : $ XXXX ChargeOff XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff Transunion : XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff

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 2024-09-30 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: TX

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 

Items need to be disputed : XXXX : XXXX. XXXX XXXX BANK XXXX Account XXXX : XXXX Date XXXX Balance Owed : $ XXXX XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff Equifax : XXXX. XXXX XXXX BANK XXXX Account XXXX : XXXX Date XXXX Balance Owed : $ XXXX ChargeOff XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX : XXXX. XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeOff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: MA

Complaint narrative:
I am a full class, automatic relief, XXXX XXXX class member of the XXXX vs XXXX settlement. The terms of the settlement are : XXXX ) Full discharge of all loans XXXX ) Removal from credit report XXXX ) Full refund on payments made This was to be completed by XX/XX/XXXX. The deadline has been missed MULTIPLE times with MULTIPLE times returning to court to get Mohela to follow the terms of the settlement. As of XX/XX/XXXX which was the FINAL date for relief set by XXXX XXXX. As of XX/XX/XXXX only items XXXX and XXXX of the XXXX terms of the settlement were made by the final deadline for relief in hand set by XXXX XXXX which was XX/XX/XXXX. I have not received a cent of my refund which is due which is AT LEAST {$10000.00} on Loan XXXX and {$6500.00} on Loan XXXX. I have reached out to Mohela and the Department of Education XXXX XXXX XXXX and cases are constantly closed without any resolution or notice with no ability to even respond. I have asked supervisors to call me back. have been promised call backs. all to no avail. 

The last court hearing regarding this was held last week. The Department of Education has stated that ALL information has been sent to the servicers for relief. At this point Mohela is sitting in contempt and breach of the federal orders. I was due to have my refund in hand by XX/XX/XXXX and at this point I have filed so many complaints with either no response or playing the blame game with the department of education. 

My relief is due. I expect a check for the FULL AMOUNT owed to me IMMEDIATELY. Mohela is DIRECTLY responsible for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: NJ

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-09-30 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: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX Facts : XXXX  is aware and has proof in the attachment labeled as Exhibit XXXX XXXX OF XXXX Account # **** is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX OF XXXX Account # **** is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my 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 2024-09-30 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:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as Exhibit XXXX XXXX OF XXXX Account # **** is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX OF XXXX Account # **** is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my 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 2024-09-30 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: PA

Complaint narrative:
I ask the company XXXX account XXXX for a investigation on this account to correct anything that is not accurate and the information is still incorrect on XXXX bureau it's reporting XXXX on XXXX  and XXXX on transunion. These both are reporting incorrect. Please hold this company accountable for not reporting 100 % accurate as the law require.

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 2024-09-30 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: PA

Complaint narrative:
I ask the company XXXX account XXXX for a investigation on this account to correct anything that is not accurate and the information is still incorrect on XXXX bureau it's reporting XXXX on experian and XXXX on XXXX. These both are reporting incorrect. Please hold this company accountable for not reporting 100 % accurate as the law require.

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 2024-09-30 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These reported addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This reported name doesnt belong to me : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
i purchased a gaming computer on XXXX that was faulty, i returned it but XXXX didnt refunded me. 

so at this time i lost money and the item i opened a claim with tdbank, and it was denyed saying that i have to send the promise of refund from XXXX. 

now opened the case again, attached return shipping info and the promise of redunf from XXXX case on tdbank is XXXX tdbank also warned me that its the last chance to make the claim right, so i cant miss it because another document is missing. i think that with the proof of item returned and matching dimensions/weight from original shipping its ok

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-30 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: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: LA

Complaint narrative:
I am requesting a validation of debt and accuracy. I am requesting validation of these account because I believe these accounts are inaccurate. I am requesting any and all documentation of these accounts to validate when were theses accounts open, close, balance, payment dates, status, etc. 

BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. ... 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00} Status Account charged off... 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$36000.00} Status Open. {$11000.00} past d... 


XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$25000.00} Status Account charged off .... 


XXXX MORTGAGE XXXX Date opened XX/XX/XXXX Balance {$190000.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. ... 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off...

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
During XXXX and after, Navient kept reporting my student loans delinquent which plummeted my score and caused unnecessary hardship. Today I contacted XXXX to ask if Navient was still a loan servicer of mine considering I received correspondence from Advantage saying they have taken on my loans. My rep at XXXX told me Navient is no longer a servicer and should not have been reporting my payments delinquent as that would be illegal. Nonetheless they still are sending me bills and impacting my credit score. I do not know what to do to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : REMAINING ITEMS : Late Payment 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Citibank regarding the urgent mishandling of my account, lack of communication, and the unjustified pending closure of my account. 

On XX/XX/year>, I attempted to purchase a necklace at the XXXX XXXX store in New York using my Citibank card. Despite having sufficient funds in my checking account, the transaction failed. Immediately afterward, my account was placed under review. I immediately contacted Citibank 's customer service to confirm that I started the transaction and was assured that the issue would be resolved. 

Over the past month, I have made numerous attempts to contact Citibank, reaching out at least 20 times to get clarity on the status of my account. Every time I reached out, I was told that someone would contact me within 24 to 48 hours, but to this day, I am still waiting for a meaningful response. My account has remained under review during this period, causing significant inconvenience. 

What escalates the situation further is that I recently received an email from Citibank stating that my account will be closed. Citibanks reasoning behind the closure appears to be linked to the initial transaction attempt at XXXX XXXX, which I confirmed with the bank was authorized by me. Despite repeated confirmations, the Fraud Department 's decision to categorize this as suspicious activity is unfounded and outrageous. To make matters worse, Citibank had previously assured me that the issue was resolved, only to now use it as grounds for account closure. 

I HAVE REPEATEDLY OFFERED TO PROVIDE SUPPORTING DOCUMENTS TO VALIDATE THE LEGITIMACY OF ALL TRANSACTIONS AND FUNDS IN MY ACCOUNT WITHIN THE FIRST MONTH OF OPENING IT. YET, CITIBANK HAS MADE NO EFFORT TO REACH ME FOR THESE DOCUMENTS. I am appalled by the bank 's decision to close my account, which holds over {$15000.00} of my funds, rendering me unable to access my money and causing severe financial hardship. 

Citibank 's inaction, failure to provide any substantive resolution, and now the closure of my account due to an issue I was told had been resolved leave me with no choice but to escalate this matter through CFPB. I want immediate assistance in resolving this matter and ensuring Citibank restores access to 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