vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 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: MS

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-09-27 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: TX

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-09-27 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I didnt have much knowledge about student loans and when I signed up at the school they said that I had to pay for my tuition and that it was {$6000.00} and they said that they would help me out and they were like cars salesman where they made it sound so good and I would benefit greatly from getting this loan and I did just that. Well I went through some trauma and had XXXX XXXX  as a single parent and homelessness with my XXXX I didnt know that the loan was increasing and now they are trying to make me pay {$22000.00} and I went on social security for XXXX and other XXXX XXXX and I am trying to get help from your company to help me get some of that interest taken away since I was mentally XXXX at the time..please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One Auto Finance calls me at work and on my cell phone numerous times a month. I pay my loan EVERY month although not on the day it is due. I have asked for 4 years since the start of this loan to change the due date. I currently pay XXXX for rent and I am ONE person who makes less than XXXX a year. My loan is due on the XXXX and I can not manage to pay it on time. I do however pay my loan every month. 

I never gave them my work number I don't know how they got it but they WILL NOT STOP calling me at work. They call all month long. Send repeated emails about how my loan is past due when I have already paid it. This has gone on for 4 years. 

I don't have much longer to go. I want these calls to STOP IMMEDIATELY. It is embarassing and humiliating when their name shows up on the work caller ID. 

Please make them STOP calling me. I WILL PAY MY LOAN ......

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: GA

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for 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 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC
State: IL

Complaint narrative:
Dear CFPB, I am writing a formal complaint against P & B Capital Group LLC regarding their unjust actions as a debt collector. I recently experienced an alarming incident where P & B Capital Group LLC threatened to report a delinquent tradeline on my consumer report without providing me with the necessary information regarding my rights to request debt validation. I kindly request your intervention in addressing this matter and ensuring appropriate action is taken against this collection company. 

Firstly, I am deeply concerned about the lack of transparency exhibited by P & B Capital Group. As a consumer, I have the right to be informed about my rights and options when dealing with debt collection. However, P & B Capital Group failed to provide me with the necessary information regarding my right to request debt validation. This omission not only violates the Fair Debt Collection Practices Act ( FDCPA ) but also hampers my ability to protect my interests and exercise my consumer rights. 

Furthermore, I firmly believe that P & B Capital Group 's threat to report a delinquent tradeline on my consumer report without considering my rights is both unfair and unacceptable. Such actions can have severe repercussions on my creditworthiness and financial well-being. It is imperative that this collection company understands the gravity of their actions and the potential harm they can cause by bypassing necessary consumer protections. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau takes the following actions : 1. Conduct a thorough investigation into the practices of P & B Capital Group, specifically regarding their failure to inform consumers about their rights to request debt validation. 

2. Ensure that P & B Capital Group ceases all communication with me immediately, except for their response to my debt validation request. 

3. Enforce appropriate penalties and sanctions against P & B Capital Group if found guilty of violating consumer rights and failing to adhere to the regulations outlined in the Fair Debt Collection Practices Act. 

By addressing this issue, you will not only protect my consumer rights but also send a clear message to debt collectors that such practices will not be tolerated. 

Thank you for your attention to this complaint. I look forward to your prompt action and resolution. 

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 2023-09-27 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied for a line of credit and was discriminated against. Being as though theyre on my report, I was never compensated as the beneficial equitable title holder. I am at the age of majority, I just want whats due. I dont want this to go any further than it has to. 
If I cant be compensated Id like for this person to give me the original contract I signed with them and Id also would like them to send tax filings for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems , LLC constantly contacts me, and I haven't used a XXXX wireless service for over 7 years. And on my credit report, due to them, it shows 2021 I wasn't using XXXX, I was using XXXX, like I had been for 5 years. Now they keep sending emails saying I need to pay, when I told them I haven't used them for a long while, nor can I even pay them due to me being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
I dont know who this person is, I never did business with them. And they furnished a report with my personal private property without my consent. I want them off my report because its damaging. Unless they can provide the original contract we have with the all signatures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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:
XXXX claim number # XXXX Dear Sirs, I have a complaint to file in regards to my XXXX Pay Line of Credit, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and until recently had perfect credit, XXXX rating. 
I have contacted the credit agencies as well as XXXX directly with no resolve. 
My XXXX XXXX account is for a security system. A very low monthly payment that was setup with auto pay and my XXXX XXXX credit card. 
In XXXX of 2023 XXXX XXXX without my knowledge canceled the card due to apparent fraud. 
When I found out about this I contacted XXXX immediately, paid up the account and gave new credit card. I asked if I could put an additional card for a backup to make sure this never happened again and they said no. 
I was never contact by XXXX when the card was declined. No phone call, email or text. Instead they just report a late payment and dropped my score XXXX point or more. Several other vendors that I had auto pay with had the courtesy to make sure they notified me. We are are talking about a {$75.00} a month auto pay that XXXX XXXX was in charge of. It is not like I was bouncing checks. 
XXXX said they would contact the credit reporting agencies and explain the situation. It does not look like anything had been done. 
I am extremely frustrated as I have worked my entire life to keep great credit and this without my knowledge is causing a major problem. 
Please let me know when and how we can rectify this. 
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 explanation
Consumer complaint received 2023-09-27 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: TX

Complaint narrative:
Experian did not resolve dispute number XXXX which closed on XX/XX/XXXX. Please provide information on how you verified the account as accurate when the account history clearly shows discrepancies. For example how is it possible that Experian verified the account as accurate and updated a payment date for XX/XX/XXXX but listed in the account payment history the account was Charged off in 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 2023-09-27 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XX/XX/XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
At the end of XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX concerning a security breach, with the letter suggesting I take advantage of a FREE XXXX service from Equifax. The letter provided a XXXX activation code to provide to get the free service. 
On XX/XX/XXXX, approx XXXX, I followed the instructions for the free service by going to : www.equifax.com/activate, and followed the steps under " Enrollment Instructions ''. Throughout the process I never saw an area for inputting the XXXXdigit activation code. I thought it may come up at the end before OK'ing the purchase but it did not. At that point it verified a purchase so I immediately figured I'd better call customer service to correct things. I received a recording stating " Our system is down, call back ''. I then went back to the Equifax website and immediately cancelled the service and received a confirmation that the service was successfully cancelled ; of which I took a screenshot ( attached ). 
On XX/XX/XXXX at XXXXXXXX XXXX, after noticing on my bank statement that I was charged {$19.00}, I called Equifax XXXX explain the problem and that I needed to receive a credit. The rep said she could activate the FREE membership and took down the XXXX number to do so. But she said the XXXX XXXX. would need to process the credit and that I would receive an email from them in XXXX days. I received no email. 
Today, XX/XX/XXXX, after receiving my bank statement, I noticed the charge, but no credit. 
I again called Equifax and explained the whole situation to the customer service rep. He put me on hold, again, and came back to say that Billing would not refund me as I didn't cancel in time. I explained, AGAIN, that I immediately called to cancel by phone ( their " system was down '' ) then went onto the website and cancelled. He said they had no record of that at which I told him I had a screenshot of the confirmation that I had indeed cancelled it. He said he could not authorize a refund and I asked to speak to a manager or put me in charge of Billing. He said he could not do that either. 
This is totally unacceptable! This FREE service just cost me {$19.00}. Please do what you can to help me with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-09-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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