vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WY

Complaint narrative:
This debt is not valid, and it states the wrong amount while also marking it as an open account. it is not an open account, I have tried to resolve this with the company and they refuse. This is all false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: EdFinancial Services
State: NJ

Complaint narrative:
In XX/XX/year>, I was permitted to make an early payment towards an unsubsidized loan on my account which I was not supposed to. The loan balance was {$1000.00} dollars at the time. However, despite my payment, the amount was never applied to the loan. Since then, I have contacted EDFinancial Services every month to resolve this issue. I have been repeatedly assured that I would be refunded the amount and that the interest accruing on this loan would be canceled. I was also informed that my account is in emergency mode. However, despite these assurances, no changes have been made, and the accruing interest remains visible on my account. This situation is unacceptable. The delay in addressing this issue is causing unnecessary financial stress, as this loan is impacting my credit score. I am extremely concerned about the interest that continues to accrue on a loan that I have already paid off. I request that this matter be resolved immediately, with the refund processed and the accruing interest canceled as promised. I appreciate the support. On the gmail file I attached, you can see they charged me {$7000.00}. However, on my account, only {$6000.00} was applied as seen on the account history file I attached as well. I have proof this happened and I need help to be justly compensated for the money taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: MS

Complaint narrative:
I discovered errors on my credit report in connection with 15 USC 16c-2. The inquiries were not authorized by me, and this is hurting my credit score. Please remove all unauthorized hard inquiries. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my latest credit report, I discovered several accounts that appear to have been added without my consent and are incorrect. I ask for these accounts to be blocked and removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Subject : Formal Complaint Regarding Fraudulent Hotel Booking through Capital One Travel Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a travel booking made through Capital One Travel that I believe constitutes a fraudulent transaction. 

On XX/XX/year>, I used the Capital One Travel app to book accommodations at the XXXX XXXX XXXX in XXXX, GA, following widespread damage caused by Hurricane Helen. Despite several 3-star and above hotels showing unavailable due to the hurricane, this 2-star hotel was listed as available. After encountering issues completing the booking on the app, I contacted Capital One Travel directly, and an agent booked the hotel for me at a total price of {$200.00} ( Capital One Confirmation Number : XXXX ) for the dates XX/XX/XXXX to XX/XX/year> ( Hotel Confirmation Number : XXXX ). 

Upon arriving at the hotel, it became immediately apparent that the hotel could not provide the services for which I had paid. The building had no power, the parking lot was empty, and groups of people were standing outside. It was clearly not a safe or operational facility. I requested a refund from Capital One Travel, but I was informed that the booking was nonrefundable, and the hotel refused to issue a refund, despite being unable to render services. 

I believe this incident reflects both negligence on the part of Capital One Travel and fraud on the part of the hotel. The hotel knowingly accepted a booking despite its inability to provide basic services, and Capital One Travel failed to inform me of the nonrefundable nature of the booking and did not take adequate steps to ensure the hotels ability to fulfill its obligations. 

I respectfully request your assistance in resolving this matter and ensuring that other consumers are protected from similar situations in the future. I am seeking a full refund of the {$200.00} paid for this fraudulent transaction. 
Thank you for your attention to this issue. 
Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-16 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:
My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-10-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
The transaction of XXXX dollars was made on XX/XX/XXXX, and I opened a dispute with the company associated with the card, Citi, on XX/XX/XXXX. Between that time, I attempted to contact the individual who did not provide the services promised, but was blocked and the messages deleted from the message boards, so I billed a dispute. 

When submitting, I uploaded documents providing evidence of multiple individuals not receiving refunds for the services the merchant failed to provide, and details of the service where the merchant promised refunds. The company took one month to respond with a request denied on XX/XX/XXXX due to lack of sufficient documentation. I have called customer service and received not much additional information. However, there has been no updates to my dispute or additional details provided after initial review was completed when I called and asked. When discussing with other peers who have also been scammed by the merchant, they have received their refund with their information.

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 2024-10-16 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Two Navy Federal pledge loans were wrongly removed/blocked from my reports on XXXX XXXX XXXX I am authorizing and requesting that they be added to my report. 
I have called both bureaus multiple times to remedy this, but they have not offered any remedy. 
Please have this issue rectified and the accounts added back to my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I was trying to purchase a video game system on XXXX  and I got scammed for like XXXX $ on Coinbase and my bank ( XXXX XXXX ) told me they cant do anything about it and neither can Coinbase, so I just dont know what to do, that was a lot of money for me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: CT

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 non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Debt validation letter sent XXXXXX/XX/year>, requesting XXXX. The original creditor 's name and contact information. XXXX. The original account number associated with the debt. XXXX. The date the alleged debt was incurred and the nature of the debt. XXXX. A complete account history, including all charges, fees, and interest applied. XXXX. Proof that you are licensed to collect debts in my state. 
There was no response from the company to verify that the debt belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: OH

Complaint narrative:
XX/XX/year> MoneyLion XXXX XXXX  unlocks my account. I activate the virtual card more virtual identity verification when they know I have identity theft and no state ID. I verified my identity with my VA ID. Tried to add my XXXX XXXXXXXX XXXX from social security that has no account information whatsoever but a card number expiration date and XXXX. Couldn't add it. Also can't send my debit. So they still have my funds locked up with new information added. Anything can happen on any given day and MoneyLion won't let me withdraw add certain debits because they know the information I have and don't have. This is a government operation on me. XXXX XXXX where I reside wont order my birth certificate saying it doesn't exist in the national archive. What y'all corrupt dirty government hidden Individuals are saying is that I don't exist and that I'm a clone right? All of you are involved in this.

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 2024-10-16 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
This Citibank/CBNA/bestbuy credit card keep showing up on my report as a late payment after I explain to them numerous of times that this account was open fraudulently I never had a Best Buy account. I have sent them proof of the police report that XXXX report And I also sent them proof of the person who opened the account thats held responsible. I had no knowledge of this account. I did not give consent to open this account and when I originally call back in XXXX they told me that they will remove it from my credit but instead they keep taking my credit score down by XXXX XXXX XXXX as a late payment I do not have this credit card. I do not know anything about this credit card besides is a balance due thats {$2000.00} and I guess the monthly payment was XXXX. Im not sure but I was told by a hardship person from Citibank or Best Buy that I will have to go on a payment plan for {$43.00} a month until they figure out what happen which I think is stupid because I never ever open this account. I told them my sister opened this account. She registered a phone in my name also stole money out of the bank account to pay on several accounts, using other peoples money by law, this is fried by putting this on my credit report. This is inaccurate information. I did not apply for the account. I do not live at the address that they use would open in the account that is not my phone number thats on the account and I have sent in my lease and I was locked up at the time when the car was open and I have provided them with the updated address phone number and email. Anyone can go online it open up anything in anyones name just by stealing their information Best Buy or XXXX. Whoever they are needs to be held accountable and delete this from my credit report all three credit rules because I am not able to get a home because they keep saying that I am past due for a balance of {$210.00}. I did not open this account and I do not want to pay on something I did not open I do not live at the address that is on my drivers license. I have not yet changed the address, but I will be going to. I have not lived there in several years that is our parents home. if you look at my discharge papers, you will see. I was not out at the time that the Credit Card was open. I have been in and out of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: IL

Complaint narrative:
I noticed several unauthorized hard inquiries on my credit report from Equifax and XXXX, dated [ XXXX XXXX XXXX ]. These inquiries were made without my consent, violating the Fair Credit Reporting Act ( FCRA ), Section 604, which requires permissible purpose and consumer authorization. On XX/XX/year> and XX/XX/year>, I requested that these inquiries be removed from my credit report as they are inaccurate and damaging my credit score. Despite this, the inquiries remain, and no resolution has been provided by the companies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Nordstroms changed the status on my credit report from discharged in XXXX XXXX XXXX to a charge off which is illegal and it decreased my score by XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: MS

Complaint narrative:
I Have hard inquiries on my credit report that I do not recognize in I sent and disputes and no responses. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been disputing an alleged bankruptcy on my TransUnion credit report for over 90 days. Despite my repeated disputes, TransUnion has failed to respond or conduct a proper investigation into this matter. The bankruptcy in question has not been adequately verified as mine, yet it continues to be falsely reported on my credit file. This inaccurate reporting is not only damaging my credit but is also unlawfully preventing me from accessing credit opportunities. 

I have mailed the same forms of identification and address verification, along with my dispute letter, that I have uploaded through this portal. However, as indicated in the letter I received from them, they are incorrectly claiming that the letter was not sent by me and are questioning the validity of my identification. It is important to note that the forms of ID I provided are exactly the same as those required according to their own website.

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 2024-10-16 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: CT

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief