vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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.You took a look at my consumer report and saw a negative account that is being furnished by your company. I am hereby formally disputing this alleged debt in its entire amount. I am requesting validation of the debt Pursuant to the Fair Debt Collection Practices Act I am demanding them to provide me the following documentation 1. The amount of the debt 2. The name and address of the original creditor 3. Send meproof of a statement of you notifying me that you would assume the debt to be valid 4. I was never notified within the 30 days so I am starting my 30-day period now and I am making it clear that I am disputing this alleged debt 5. Please provide me with the name and address of the original creditor Once this debt is in dispute your company shall cease from 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 non-monetary relief
Consumer complaint received 2024-05-14 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: Global Lending Services LLC
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. Please see attached documentation and meet my demands within 4 business days. Thank you for your timely compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I received a notification from my credit monitoring app that there was a hard inquiry on my account from a creditor that I did not initiate. 
XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. I did not recognize this company, I tried calling number associated and the first thing they asked for was my social security # and there where no other menu options so I hung up. I did not think this was reputable and then I continued to freeze my credit and dispute this hard inquiry through you. All this happened XX/XX/2024 around XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: NE

Complaint narrative:
I attended XXXX from XX/XX/XXXX, to XX/XX/XXXX. My federal loans were forgiven under the XXXXXXXX XXXX  XXXX lawsuit due to school misconduct. 

However, my private loans have continued with an interest rate of 10 %, resulting in monthly payments nearing {$500.00}. Despite making these payments, the total amount owed continues to increase. Navient has been uncooperative, only offering a temporary interest-only plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This was a secured credit account account that I paid to open. At one point they charged me for things I did not sign up for and instead of me owing the {$200.00} I paid to open the account, my balance shot up to over {$300.00}.

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 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished. 


Please see attached file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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 have recently reviewed my credit report and have identified inaccurate item that is erroneously reported : XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, I request that this item be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this item with the respective creditors who have reported it. Any information that can not be verified by the creditor should be expunged from my report. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the receipt of this letter.

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 2024-05-14 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: GA

Complaint narrative:
I have recently reviewed my credit report and have identified inaccurate item that is erroneously reported : XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, I request that this item be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this item with the respective creditors who have reported it. Any information that can not be verified by the creditor should be expunged from my report. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: NJ

Complaint narrative:
I am a victim of identity theft and I submitted a dispute to the CRAs to remove certain items from my credit reports. please view attached FTC 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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
They are the credit card company and the bank account company, SOFI. How could they not " draft '' from my savings account to pay my credit card off? No explanation was given nor was I informed at the time of setting up the $ XXXX month agreement was I informed that I needed to make a {$100.00} payment to become current with my credit card account. My phone number is XXXX. I'll be expecting your call as well as calling the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under FCRA 605B, we need to remove any incorrect accounts from my credit report. Can you please check the documents? Some accounts are inaccurately reported, and I am due {$1000.00} for each mistake.

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 2024-05-14 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:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

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 2024-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Initially, Coinbase restricted access to my account and requested identity verification, a process I completed. However, subsequent to verification, my account remained under review for an extended period of 6 months without resolution. Upon inquiry, Coinbase alleged a duplicate identity associated with the account and advised me to open a new account, complete verification. after which coinbase would transfer the funds from the old account to the new account. In compliance with Coinbase 's directive, I created a new account, underwent the verification process once more, and awaited the transfer of funds. 
However, both the old and new accounts were subjected to manual review simultaneously. Coinbase then communicated that maintaining two accounts is not permissible and instructed me to delete the duplicate account. Despite seeking clarification on which account to delete, given the ongoing review and pending fund transfer, Coinbase failed to provide specific guidance and reiterated the instruction to delete the duplicate account repeatedly. Frustrated by the lack of clarity and resolution, I opted to delete the new account as a proactive measure and informed Coinbase accordingly. Regrettably, despite this action, the original account remains under manual review, and I have not received any further correspondence from Coinbase. Subsequent attempts to seek updates on the review status via multiple follow-up emails have gone unanswered. This predicament has caused significant inconvenience and financial distress to me. Case ID is XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-05-14 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: NY

Complaint narrative:
Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed a charge on my account I didnt make. I called the bank on that day to dispute the transaction. I spoke to an agent named XXXX. I told her that the payment in question was for my car insurance payment which I made with a different card at the same bank. I have XXXX accounts with Wells Fargo bank i.e. a checking account and a credit card. I was charged for the same amount {$120.00} on both accounts. I told the bank that the insurance company should have only charged the checking account and that the credit card payment should be voided or cancelled. XXXX said fine and that she would take care of it. When I checked my credit card statement on XX/XX/XXXX it was still showing the payment of {$120.00} on XX/XX/XXXX as being completed and not pending. When I called the bank back that day, I was transferred to the Claims Department and spoke to XXXX. When I explained my problem to him after waiting 45min, he said the only thing he could do was wait for the payment to post on my checking account ( It already did ) before he could dispute it and that would be on Friday XX/XX/XXXX. That would mean Id have to wait a total of nine days before they would investigate it. Most banks just put a hold on your card until they are able to resolve the problem and they dont keep the item on your account or show it as pending. This waiting 9 days before anything can be done is just inconvenient. The fact that one agent said it was taken care of and the other one said it was not is very confusing and sounds like double talk. Please investigate and issue any violations if possible. Thank you.

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 2024-05-14 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I paid my Avant card off as off XXXX. Recieved a bill afterwards on the regular statement date of the XXXX of the month for {$12.00} for interest on XXXX due by XXXX. Sent check for said amount on XXXX. They told me they received the check 13 days later on XXXX. They processed my check and my bank paid it on the XXXX. As of today the payment is still pending, I've received a late fee, and they tell me it will be another 14 days to be applied thus causing another late fee. So in this instance they tell me it took 13 days to receive the check and so far more than 18 days for it to be applied to my account. With their intentional delays ( total of 31 days and counting ) they are trying to make people that have paid their accounts off into a permanent payer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: GA

Complaint narrative:
I'm reaching out today because upon reviewing my most recent credit report, I'm deeply troubled by the inaccuracies present. It's concerning that these items are being reported incorrectly, and I'm seeking your assistance in resolving these issues. 

As per the Fair Credit Reporting Act ( FCRA ), it's mandated that credit bureaus report information that is entirely accurate, verifiable, and timely. I understand that you have a 30-day window to conduct investigations as required by law. Failure to adhere to these federal regulations could result in an investigation by the Federal Trade Commission. 

I insist on a comprehensive investigation into each error listed, with a detailed report provided to me upon its completion. 

Regarding the inquiries listed below, please address them as well : XXXX Inquiry Date XX/XX/year> and XXXX XXXX  XXXX XXXX XXXX XX/XX/year>.

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 2024-05-14 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: FL

Complaint narrative:
I am facing significant issues with Experians handling of my credit report, which includes multiple inaccuracies affecting my financial reputation. Despite attempts to correct these via direct communication, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements. 

What Happened : 1 Incorrect Personal Information : Experian needs to confirm my employment as XXXX XXXX, my address at XXXX XXXX  XXXX XXXX, XXXX, FL XXXX, and update my phone number to ( XXXX ) XXXX. 

2. Misreported Accounts : XXXX XXXX XXXX : This account was previously deleted but has been incorrectly re-reported without my knowledge. 
Unauthorized Inquiry : An XXXX inquiry appears on my report that I did not authorize and needs removal. 
Account Status Errors : XXXX XXXX XXXX  & XXXX XXXX : Both are active with all payments made on time but are not reported as such. 
XXXX XXXX  XXXX : This account is also active and timely but needs confirmation of its current status.

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 2024-05-14 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: FL

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

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 2024-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
We added a XXXX XXXX to our insurance XX/XX/2022. Our property taxes went up in the fall. I assumed the change the payment reflected any and all changes to our escrow. However when the home owners policy renewed the escrow was short {$190.00}. Huntington saw that but didnt pay it and never sent any notice of the shortage to me. I got a letter from the home owner policy that we were being canceled in 7 days due to non payment. I called the bank and no one can tell me what happened or why I not received any notices for adjustments to my monthly payment to cover the changes to the escrow/insurance. I can not get anyone to explain why its. It working and was told to check on it throughout the year myself. I had to ask for another loan analysis to try to calculate the correct mortgage payment to avoid another shortage.

Company response to consumer: Closed with explanation