vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 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: AR

Complaint narrative:
As of XX/XX/XXXX experian sent a letter with dispute results. They disputed the wrong results!!! They disputed with XXXX. I need the dispute to be with XXXX!!!! This is not complicated. The account still shows updated and has not been updated on Experian since XX/XX/XXXX. This account needs to fall off my credit score. Its not accurate. I want the dispute for experian to get it off me credit report or defer to XXXX to get it off 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 explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
You stated on my last compliant that this loan was charged off. " Previously serviced your Private Tuition Answer Loan, which charged off due to non-payment in XX/XX/2010. '' But yet it still reflects as you trying to collect on mt student loan page and credit report. This loan was charged off over 7 years ago. Its but 14 years. This exceeds the Statue of limitations for reporting and is to be removed all together. You have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
In short, American Express closed my savings account with {$150.00} in funds I was able to recover {$50.00} that was sent from my XXXXXXXX XXXX account. I also had {$90.00} I sent from my XXXX XXXX  account but XXXX will not recall funds nor do they have the option to for transactions that arent fraudulent. So in my case Amex wont issue a check for some reason to the address on file & XXXX quite literally cant do anything. My money cant just sit there thats theft at that point they have no system in place to get me my funds. Both accounts in which I sent money from My XXXX XXXX  and XXXX  checking accounts are in my name XXXX XXXX XXXX. So Im not sure how they came to the conclusion that someone else opened my account and transferred funds from accounts in my name totaling a mere {$150.00}. This info is shown in the photo Ive attached below from American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-04 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: TN

Complaint narrative:
I XXXX XXXX Have fraudulent accounts appearing on all three of my credit reports. 


1. XXXX {$2600.00} 2. XXXX XXXX XXXX {$2600.00} 3. XXXX XXXX {$2100.00} 4. XXXX XXXX  {$10000.00} 5. XXXX XXXX {$1000.00}

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 2024-02-04 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: TN

Complaint narrative:
I XXXX XXXX Have fraudulent accounts appearing on all three of my credit reports. 


1. XXXX {$2600.00} 2. XXXX XXXX XXXX {$2600.00} 3. XXXX XXXX {$2100.00} 4. XXXX XXXX  {$10000.00} 5. XXXX XXXX {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: KY

Complaint narrative:
The following inquires were added to my credit report without my consent, please remove these unauthorized inquires from my credit report. 

Transunion added an inquiry from XXXX XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX XXXX ( XXXX XX/XX/23 ) XXXX added a inquiry from XXXX XXXX XXXX  ( date XX/XX/23 ) XXXX added a inquiry from XXXXXXXX XXXX XXXXXXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX ( XXXX XX/XX/23 ) XXXX added a inquiry from XXXX XXXX  ( date XX/XX/23 )

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 2024-02-03 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: TX

Complaint narrative:
I wish to dispute an inaccurate derogatory item on my credit report that has potentially harmed my credibility. I have identified several mistakes and inaccuracies in your reporting. Please review and promptly remove these errors, ensuring compliance with all relevant regulations, laws, and reporting standards. This challenged information must be

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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:
I wish to dispute an inaccurate derogatory item on my credit report that has potentially harmed my credibility. I have identified several mistakes and inaccuracies in your reporting. Please review and promptly remove these errors, ensuring compliance with all relevant regulations, laws, and reporting standards. This challenged information must be

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 2024-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
CAPITAL ONE AUTO FINANCE, XXXX, XXXX, & XXXX is reporting late payments on account # XXXX. 

I have tried to settle this matter as of 2 years and CAPITAL ONE AUTO FINANCE or the CRA 's still has NOT updated the payment history and is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, these agencies are in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ] 4. Violation of the Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was first prevented from using my card or even able to take funds out of my account that was funded from unemployment PUA. Card would get declined and unable to access fund withdrawal from ATM. When I called, US bank reliacard they said, account funds were taken back from, PUA unemployment. I called PA Unemployment and they said that their agency did not do what US Bank claimed and that the issue was with US Bank, not them. After speaking to Unemployment and learning that their agency did not have any parts of taking my funds back I called US bank XX/XX/XXXX  and received a different answer which was US Bank sent back funds to unemployment due to not verifying identity within timeframe. Claiming PA unemployment was sent aprox {$15000.00} from my account by US BANK. When I called unemployment they looked up my information in their system, which was the only recipient depositing funds to Reliacard account, they did not find any red flag that suggests their agency took back funds, nor did they receive any funds back from USBANK in connection to my name. PA Unemployment said that the matter is with USBANK as they denied requesting or receiving back any funds that were issued to my reliacard account. After giving USBANK the PA Unemployment 's response to their claims, I am no longer given any further answers. When I currently call USBANK customer service either say that they aren't trained in the dept to handle my call and transfer me to another dept, which automatically ends call, or I am told that they can't find my account information. No explanation of any merit has resulted from communication with USBANK when seeking the reason {$15000.00} funds have been removed from account.

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 2024-02-04 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: TN

Complaint narrative:
I XXXX XXXX Have fraudulent accounts appearing on all three of my credit reports. 


1. XXXX {$2600.00} 2. XXXX XXXX XXXX {$2600.00} 3. XXXX XXXX {$2100.00} 4. XXXX XXXX  {$10000.00} 5. XXXX XXXX {$1000.00}

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 2024-02-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I have a student loan provider XXXX that defaulted my loan into collections without notice. During the pandemic, all student loans were on temporary pause until it recently started back up. Now that it has started up again, I have been paying all my student loan providers ( XXXX, XXXX, etc. ) on time. When I looked on my credit report, it said I has 35 missed months of payments on XXXX closed account for {$1300.00} and it went into collections. I was never aware of this and was never notified in written notice because loans were put on pause. It has affected my credit score dramatically. I attempted to call Radius Global Solutions in regards to this issue multiple times but no one is answering. There was never an issue of paying the loan, I just never knew it went into default because I never received a written notice.

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 2024-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX, Equifax, XXXX is reporting inaccurate information on my consumer credit report. They are reporting late payment, charge off and inquiries and promotional inquiries in which I never approved. Also they are reporting my utilization in which they are not suppose to .The law states its illegal to report late payment history. The IRS states that charge offs are consider as income and should not be reported on ones consumer report. They are also in violation of the privacy act of 1974 5usc552 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: SC

Complaint narrative:
XXXX, XXXX, Experian is reporting inaccurate information on my consumer credit report. They are reporting late payment, charge off and inquiries and promotional inquiries in which I never approved. Also they are reporting my utilization in which they are not suppose to .The law states its illegal to report late payment history. The IRS states that charge offs are consider as income and should not be reported on ones consumer report. They are also in violation of the privacy act of 1974 5usc552 ( a ).

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 2024-02-03 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: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX # XXXX, I am not liable for this debt of {$430.00}, I do not have a contract with them and there is also an unknown Inquiry that I did not authorize XXXX XXXX XXXX on XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: GA

Complaint narrative:
The informatio furnished on my credit file has not been verified or approved by me to be placed on their platform, also none of the information has my signature.

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 2024-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: VA

Complaint narrative:
I have 3 items on my credit for a medical bill/bills. It is 3 different collection company 's trying to collect what seems like the same bill each one of them is for the same amount exactly which is {$500.00}. I also believe that they could of took them of do to the XXXX dollar or less bill that was passed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I have never received a notice to dispute the debt in question, and despite reaching out to the concerned party four times, I have yet to receive satisfactory validation that the debt is indeed mine. I possess certified mail receipts as evidence of my attempts to communicate with them. Regrettably, each time I sought information or validation, my requests were either ignored or met with insufficient responses. Despite my efforts to rectify the situation, they have persistently refused to remove the disputed debt from my credit report. This lack of cooperation is not only frustrating but also raises concerns about the accuracy and legitimacy of the reported debt. I am determined to resolve this matter and seek the removal of the disputed entry from my credit report, as it is impacting my financial standing unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
They said we provide this number to them to my work were they obtained my work cell number that is not even my personal. Which we didnt give them or authorize this. They were extremely rude when I tried to verify that this was fraudulent as well. They also called my in laws as well. They also told my husband that we were just trying to get out of pay this which is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was sent a {$500.00} Amex Gift Card from my employer for an end of your bonus on XX/XX/06. I have tried to use this gift card at several reputable online vendors and it has been declined multiple times to the point I can't use this anywhere. 

A quick XXXX search of the issue has shown this to be a known and common issue with the gift card and Amex customer service being no help whatsoever. It seems that the only acceptable solution people have mentioned is to report to CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-04 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear JP Morgan Chase, it has been brought to my attention that you all have been sharing my personal information with XXXX which are not any of your affiliates that are listed in your Disclosure Brochure. I Also have Proof from the Disclosure Brochure that I uploaded with my statement. Sharing personal information includes NAME/DATE OF BIRTH/ADDRESS/SSN. You Sharing My Transaction history and Payments are Illegal and against the law & policy according to 15 U.S. Code 1666b - Timing of payments ( 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. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I have already filed this once and it did get resolved, here we are again. In XX/XX/2024 they yet again changed it to in repossession. When in fact it is not. This is hurting my credit file and way of life. Please for the last time do something or Im sueing.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The informatio furnished on my credit file has not been verified or approved by me to be placed on their platform, also none of the information has my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The informatio furnished on my credit file has not been verified or approved by me to be placed on their platform, also none of the information has my signature.

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