vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Making sure payments are always on time, I've never encountered delays on this account. I'm uncertain why there are indications of late payment remarks on my accounts.

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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Making sure payments are always on time, I've never encountered delays on this account. I'm uncertain why there are indications of late payment remarks on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Making sure payments are always on time, I've never encountered delays on this account. I'm uncertain why there are indications of late payment remarks on my accounts.

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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/XXXX I was a victim of identity theft where my all of my bank accounts and investment accounts were stolen and depleted. 
the following accounts were affected XXXX XXXX, Bank of America, XXXX, XXXX XXXX 
I contacted each banking institution and investment company the same day to let them know what happened. 
XXXX  refunded the money stolen however Bank of America and XXXX  refused to refund the money stolen. Bank of America and XXXX were contacted the same day. I reported the issue to the police and was provided with a police report which was faxed to BOA. every time i call is a hassle and they keep closing the case and reopening a new one. I was already provided with two claim numbers. On XX/XX/XXXX I faxed the police report to XXXX claim number XXXX. On XX/XX/XXXX I contacted them again and was told they never received the report and closed the case. I was again provided with another claim number XXXX and was to fax the police report to XXXX at XXXX. The amount of money that was stolen from my account is {$3900.00}. i am seeking your help in this matter. 
Bank of America do not put their customers first they are prone to penalize customers XXXX  as well never refunded the money and was adamant of accusing me as the person that consented to the transaction. the amount was approximately XXXX. I was also told that it was the responsibility of the customer to track their moneys not them, Customers are not safe with these institutions people should not invest with XXXX  for they do not have an adequate security system to protect customers. 

Please help Sincerely,. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have been contacted eight times via telephone call and one time via text message in the last 36 hours by Comenity Bank regarding a payment that is one week late. Under regulation f, they are breaking the 777 law. Which states that a debtor can not be contacted more than seven times within seven business days, or 7 days after contact has been made. They continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from 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 2024-02-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. I have made multiple attempts dating back to XXXX  by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Urgent Request for Investigation and Expedited Resolution Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding my recent interactions with Wells Fargo. On XX/XX/2024, I formally requested from Wells Fargo Escalations Representatives the approved transactions within my claim. I was assured that these documents would be provided within 10 days, or at most within 20 days, as they are already documented. 

However, to my dismay, I recently received a letter from Wells Fargo stating that they will respond within 30 calendar days of XX/XX/2024. This abrupt change in timeline raises serious doubts in my mind about Wells Fargo 's transparency and their intentions to fulfill my request promptly. 

I fear that Wells Fargo may be attempting to conceal documentation by delaying the provision of information crucial to my claim. As such, I am seeking urgent intervention from the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and expedite the resolution of my request as soon as possible. 

It is imperative that Wells Fargo upholds its commitment to transparency and provides me with the necessary documentation without further delay. Your swift attention to this matter is greatly appreciated, as it directly impacts my ability to address unresolved issues and seek appropriate recourse. 

Thank you for your prompt action in this regard. I eagerly await your response and the resolution of this troubling situation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Email : 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 2024-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I have a complaint about One Main Financial. I have recently had trouble with them, and XXXX is extremely rude when I question anything about my account. I have got to where I refuse to talk to him. He also calls my phone so much it is borderline harassment. When I do not answer after calling literally every minute for 5 minutes straight they call my mom and tell her a crazy story about my account. I go on the website and set payments up for the next month. Whether it is every two weeks or every week. I have never had issues like I am having now. I paid my XXXX payments in 2 payments, but now the office here is saying I did not pay it. My past payments show I paid it, and then it shows a reversal of the payment. How did that happen when I did nothing to reverse it? I also have nothing on my bank account showing where it even tried to go through since they are trying to say they got my payment back, saying it was NSF. My bank said these payments never came through the bank. I get paid the night before making the payments, so I know the money is there. I have proof of all of this. Something needs to be done quickly. What can be done? Now I am being told the way I make my payments each month is not good enough. In 2 days my payment will be complete for XXXX and they are telling me it is not good enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I recently received a debt account for collection from Ability Recovery Services LLC for an amount of {$910.00}. Apparently, it is debt from XXXX XXXX XXXX XXXX. I have never been to XXXX XXXX and have never been treated by or seen by any physician from XXXX. I have only seen a XXXX XXXX twice in the last 20 years and it was in XXXX XXXX and both instances were paid in person. I've seen the XXXX  reports on this company, and they seem to be known for reporting fraudulent reports to trick people into paying them money. I have been receiving multiple calls daily from their outsourced call centers trying to collect a debt for something that never happened.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried on multiple occasions to get my name changed within their system to my new legal name, so I put my old name in this. I have been trying to get the name changed or the account deleted completely from Experian for a while now They refuse to help me and keep saying I need to mail copies of all name change information. I want the account deleted.

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 2024-02-27 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
Identity theft on these accounts XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$720.00} written off. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$250.00} Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$43.00} Status Collection account. {$43.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$100.00} Status Collection account. {$100.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$51.00} Status Collection account. {$51.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: DC

Complaint narrative:
Please remove hard inquiries 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 explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: CA

Complaint narrative:
I have no connection on those creditors listed on my credit report and did not initiate those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: CA

Complaint narrative:
I am submitting a complaint against Experian due to their failure to address errors on my credit report despite multiple dispute attempts. Despite my efforts to rectify inaccuracies, Experian 's investigations have not resulted in the necessary corrections. 

On the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I utilized Experian 's online Document Upload Form to dispute items on my credit report. These disputes were made in an effort to address inaccuracies and incomplete information. 

Experian 's investigation results, dated XX/XX/XXXX, indicated that the reported items were either updated or certified as accurate by the reporting companies. Similar results were received on XX/XX/XXXX, and XX/XX/XXXX, with Experian stating that the items were either " updated '' or " certified as accurate ''. 

Upon reviewing my Experian report dated XX/XX/XXXX, I discovered that the items I had disputed remain unresolved and continue to report inaccurate and incomplete information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : This account fails to report essential details such as the balance, date of balance update, recent payment date, monthly payment amount, and account terms. 

XXXX - XXXX : This account lacks reporting on the recent payment date, monthly payment amount, and account terms. Furthermore, the payment history is incomplete, showing several months as " No Data ''. 

XXXX XXXX - XXXX : Similar to the previous account, this one does not provide critical information such as the balance, date of balance update, recent payment date, monthly payment amount, and account terms. 

I am including copies of the letters sent to Experian, along with copies of their investigation results, and a recent copy of my report still showing the accounts with errors they are certifying are reporting accurately.

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 2024-02-27 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
NAVIENT IS ILLEGALLY REPORTING THE SAME ACCOUNT 3 TIMES FOR DIFFERENT AMOUNTS. NAVIENT FAILS TO PRODUCE THAT THEIR REPORTING MECHANISMS ARE NOT DEFAULTED OR THERE IS NO DEFAULT IN THEIR REPORTING MECHANISMS. 
NAVIENT XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2024 ACCOUNT : XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
In XXXX of XXXX I purchased a vehicle. Due to my credit score and the need for a car I was only given the option to purchase the vehicle with XXXX down at a monthly payment of XXXX at XXXX percent interest. 2 Years into the loan it became apparent that majority of the money paid went into interest. for 6 months payments went to only interest and no principle. I researched a company called, " Credit Acceptance '' and found that they were penalized for predatory lending. It became obvious that I have been subjected to predatory lending with this company now called, " American Credit Acceptance ''. By the time my car is paid off I will have paid between XXXX for a car worth XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief