vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/XXXX, I disputed multiple fraudulent charges from a merchant called XXXX. Someone had used my digital card number and I had to get a new one. There were multiple charges {$130.00}, {$550.00}, {$840.00}, {$1100.00}. The only charges that got approved were {$550.00} and {$1100.00}. Apple Card Goldman Sachs refused to credit my account for the {$840.00} and {$130.00} despite them being the same charges from the same day and merchant. I appealed the decisions and on XX/XX/XXXX I was told that the merchant already gave me a credit and that I authorized one of the charges. This is not true. On XX/XX/XXXX, I have message evidence to prove I requested the evidence documentation. As of XX/XX/XXXX, they never provided me with the merchant documentation. They are making claims without providing any proof of them. They are charging me for fraudulent charges even though I didnt authorize them and I have provided evidence that it was not authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-03-15 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I don't recall having a contractual relationship with this collection company I C SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-03-15 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: SD

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 8 late payment and 3 charge offs on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been Wait on payments of an attached copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, charge off XX/XX/XXXX, charge off XX/XX/XXXX, charge off XX/XX/XXXX Im requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand Those payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-03-15 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: EQUIFAX, INC.
State: SD

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 8 late payment and 3 charge offs on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been Wait on payments of an attached copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, charge off XX/XX/XXXX, charge off XX/XX/XXXX, charge off XX/XX/XXXX XXXX requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand Those payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-03-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-03-15 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: AL

Complaint narrative:
I owed a balance for XXXX XXXX CREDIT CARD NUMBER XXXX and paid {$120.00} in XXXX of XXXX. As of XX/XX/XXXX, the account still has a balance owed. I have tried to call and email XXXX. They will initially respond but once I tell them why I need help I get no response.

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 2024-03-15 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: NY

Complaint narrative:
I have never applied nor perform services or business with XXXX XXXX yet there are multiple inquiries all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquires dated 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 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$230.00} XXXXXXXX XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$480.00} have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

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 2024-03-15 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: VI

Complaint narrative:
I have reached out to my service provider MOHELA in XX/XX/XXXX to request a refund of {$25000.00} lump sum payment made during the pandemic. The funds were made under XXXX prior to closing. Since XXXX is no longer my servicer, I was assured that MOHELA would handle the refund process and payment would be received within XXXX business days. 

I have called MOHELA at least XXXX times for an update often waiting on hold for hours due to not receiving the funds. I have escalated the case and filed a complaint directly with MOHELA and the Department of Education in XXXX of XXXX. I was again informed the money would be received prior to XX/XX/XXXX by an advanced agent. 

As of XX/XX/XXXX, XXXX months after the initial request of the refund, I have not received an accurate update on the status of the refund of {$25000.00}. I have relied on the information given by MOHELA on when to expect the funds to be received. I have resorted to taking out a high-interest personal loan to make ends meet. The misinformation given by MOHELA has caused me financial hardships with no end in sight. MOHELA have not provided me with information to contact the Dept of Treasury and have not provided me with the long expected refund payment. Please let me know what legal steps I can move forward with to proceed with a refund as granted by the federal government. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
I received a Change in Terms notice increasing the APR to a usury, variable rate of 34.99 %!! 

They will also charge {$1.00} each month to send a statement, and interest charges are assessed on this unfair fee.

JcPenny and Synchrony Bank are penalizing us, along with other senior citizens and those who don't have access to a computer, by implementing this unfair fee. 

I call today, their automated system wasn't working correctly, gave partial instructions and took over XXXX minutes to finally transfer me to an agent. This bank doesn't want yo allow customers to speak with a person!! I am expected yo use an automated system the cuts out, then states they didn't heat my response. I would need to hear the request before I can respond!! 
First call I was connected to an off shore agent " XXXX ''. I asked for a US agent. XXXX didn't respond to the request or when I asked if she could hear me, multiple times, and after XXXX minutes she disconnected the call. Second call, couldn't get past the automated system. XXXX time, I was connected to off shore agent XXXX. She transferred me after I asked for a US supervisor Forcing customers to go completely paperless sets us up for late payments, especially when its an account thet isn't used much. It allows them to charge unfair late fees if an email notification is missed, and could affect 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 2024-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
XXXX from Navient called me on Friday, XX/XX/year>, regarding forgiving my private student loans. I told XXXX on the recorded line to send me in writing to my email address and I would have an attorney review. On Monday, XX/XX/year>, I received a letter in my email relaying that roughly a {$46000.00} balance would remain of private student loans of the roughly {$310000.00} balance with a full balance payment being due XX/XX/year>. 

XXXX called same day as letter received in my email ( XX/XX/year> ) while I was at work. I relayed to XXXX that I was at work and I would review and would be unavailable for the next few days and would discuss with an attorney. XXXX has consistently called every single day leaving threatening voicemails to escalate his tactics to collect this debt. Since then he has called my daughter, my mother, my father all claiming they are listed as my contacts. I do not have any contacts listed for any of my debts. I have been a XXXX mother and have been solely responsible for all my debt and would never involve anyone else in my personal business. 

I contacted XXXX of Navient today and made it perfectly clear he was to cease and desist contacting me and my family as I was already attempting to handle this debt and calling me while I am an XXXX XXXX at work was unacceptable. XXXX immediately called me back on my cell phone even though he was told I was at work. I had to call and report him to his supervisor XXXX. However, I still have family members texting me while I am at work reporting that XXXX of Navient is leaving voicemails stating that they are listed as a contact of mine for this account and requesting that I call him.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: PA

Complaint narrative:
According to FCRA 605B, it's mandatory for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? Certain accounts listed there are not correct, and it's causing me some discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: WI

Complaint narrative:
I co-signed on a business loan ( US Bank ) for my daughter back in 2010 ( ending XXXX ), the business was dissolved after a year and there is no balance on ( account ending XXXX ) Last XXXX I received a letter from US Bank stating that my ( account ending in XXXX ) was linked to a credit card ending in XXXX with a balance of {$17000.00} that my daughter took out some time later. 

US Bank is saying that I am responsible for the {$17000.00} because my name is on it. 

I don't understand how I can be responsible for the ( account ending XXXX ). I have never received letters or statements regarding account ( ending in XXXX ). 

I check my credit score regularly and the US bank account that is listed on it as {$0.00} balance. 

Thank you 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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE UPDATE MY PERSONAL INFORMATION WITH THE BELOW : NAME SHOULD ONLY READ AS FOLLOWS : XXXX XXXX XXXX ONLY ADDRESS THAT SHOULD BE ON MY FILE IS : ALL OTHERS SHOULD BE REMOVED AS THESE NON-MAILABLE XXXX XXXX XXXX XXXX XXXX, FL XXXX ONLY EMPLOYER THAT SHOULD BE ON FILE IS : ALL OTHERS SHOULD BE REMOVED AS THESE NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breaches/ identity theft. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: Open Dealer Exchange, LLC
State: NY

Complaint narrative:
I have never applied nor perform services or business with 700 CreditXXXXXXXX XXXX XXXXXXXX there is an inquiry on my credit report dated XXXX. I am asking for a signed copy of the application along with a copy of my drivers license and removal of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have never applied nor perform services or business with XXXX XXXX XXXX yet there is an inquiry on my credit report dated XX/XX/. I am asking for a signed copy of the application along with a copy of my drivers license and removal of the inquiry.

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 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
This creditor LVNV is trying to collect on a debt from XXXX that is over 7 years old. This debt has been written off. The debt was incurred back during XXXX time period ( estimated ). This debt need to be removed from my credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: DC

Complaint narrative:
I received a copy of my credit report, and noticed I had fraudulent accounts listed on my credit report. I am requesting for these accounts to be deleted from my credit report immediately, as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief