vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I make my payment for AmX account ending # XXXX of {$700.00}. 

XXXX. In XXXX AmX refused to credit my account for the XXXX payment. I filed a complaint on XX/XX/year>, Reference Number XXXX and on XX/XX/year>, received noticed the payment was credited. 

XXXX. On XX/XX/year>, Reference Number XXXX, I had to file another complaint as my XXXX payment was not properly credit and the balance on account reduced. AmX responded that the payment was credited. However, there is still showing a balance due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-15 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: MS

Complaint narrative:
I requested an investigation on XXXX XXXX : Account number : XXXX. This account came back verified with information updates. Equifax updated the report claiming to have been provided additional information in regards to the accounts information reporting. The late payment on the account came back as verified through the cfpb. That is mind boggling due to the fact that no documentation to support this late payment history has been provided to me. I am requesting the documents provided by XXXX to Equifax in order to verify the accounts information. The specific legislation within the Fair Credit Reporting Act ( FCRA ) that enforces credit reporting agencies to share documentation from credit furnishers with consumers is Section 609 ( 15 U.S.C. 1681g ). This section mandates that credit reporting agencies must disclose to consumers all information in their credit file upon request, including the sources of this information and the identification of each person who procured a consumer report. Please take a moment to provide the requested information or grant me my right to address the account that I have indicated and its error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I included a pdf of the transactions. I went to the Bank of America after finding out that the contracts/checks written to the various companies, were marked UNPAID DUE to closed account. The front page of the pdf was handed to the bank official with the question to see if these items were transacted for the purpose of doing the books. 

The answer was, that ALL XXXX items went through the banking system as evidenced on the front of the check and marked on the BACK of the check and not returned to XXXX XXXX XXXX. 

They were all electronically endorsed as included on the back of the items indicating the PAY Bank as the Bank of America ... ... XXXXthe payee Bank as XXXX XXXX. 
The XXXX XXXX, being XXXX XXXX accepted the instrument for cash out of the account holders Bank, Treasury Account . The item was tendered, but Not paid to the accounts receivable of the closed account. XXXX 's were not filed with the IRS.

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 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was notified by letter from XXXX I was included in data breach XX/XX/2024. I was offered " XXXX XXXX XXXX '' membership " at no charge '' for unspecified time period. I went to website provided in letter " ExperionIDWorks.com/plus credit lock ''. This address directed me to " alprea.com '' which my computer identified at unsecure. I searched online for Experion IDWorks, which basically asked me to provide all of data XXXX advised me had been stolen, without reference to XXXX activation code providing free monitoring. If felt very suspicious as well. I reviewed online " terms and conditions '' for XXXX and only found references to a company called " ConsumerInfo.com. '' This also seemed odd. My questions are what exactly is the service provided, how long is the service provided for free, what are the alternatives available. I called XXXX first, they told me to change XXXX password, and directed me to call ExperionIDWorks XXXX. They could not answer my questions and directed me to XXXX customer care XXXX. They could not answer my questions and directed me to a number just for XXXX customers XXXX. I was on hold for XXXX minutes and disconnected. I called again, was again put on hold for XXXX minutes, exactly. I spoke to a representative. She was only able to enroll me online. She did not know anything more about how the services worked, what if any alternatives are available, or the origin of " ConsumerInfo.com '' In the course of our discussion I was again disconnected.

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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi CFPB, XXXX XXXX XXXX XXXX, my card was charged by a company in XXXX, but i have been back to XXXX for over XXXX years, i will attach my XXXX XXXX history in attachment. It is absolutely a fraud activity. But the wells fargo refund me for XXXX transaction but not the other one. I don't know why understand. 

The XXXX transactions happened in the same day in XXXX minutes. And i tried to make a phone call, the representative did not provide the reason, but kept saying it is the XXXX department final decision, when i asked to transfer me to fraud department, she just refused and hang up my phone, i have been waiting for over an hour to talk to them. 

I am not satisfied about everything of Wells Fargo bank. The service is bad, representative is not responsible. 

Sincerely

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've had so many issues with logging into both XXXX and Equifax. I want to log into both of these accounts in order to secure a credit report freeze as well as to simply access my accounts. Every time I try to log in I go through the same cycle of retrieving my account via reseting password which inevitably ends up with the " temporary error '' page. This is ridiculous. I haven't been able to access my accounts for years. I reached out to both credit unions via phones and were not able to even reach an agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX 2024 I have been trying to get into my account with all three credit report companies XXXX, XXXX and TransUnion I have inquiries on my credit report from an unknown source and Im unable to get it off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX 2024 I have been trying to get into my account with all three credit report companies Equifax, XXXX and XXXX I have inquiries on my credit report from an unknown source and Im unable to get it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OH

Complaint narrative:
Hello. For my student loans, I owe just over {$14000.00} through the servicer Mohela. They recently transferred loan servicing systems. Because of this, my student loans are now showing twice on my XXXX credit report. I have disputed this with them several times, however, the dispute is always closed and the problem is never resolved. My credit report still shows an incorrect amount of over {$28000.00} in student loans. The old accounts that were closed and transferred need to be shown that way on the credit report to fix the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently discovered that the above-named company is furnishing false and misleading information to my credit report. I do not know how the company obtained my private non-public personal information. However, the false and misleading information does not relate to me and is a result of 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I have been struggling with correcting the errors on my credit report for months now and it's been very exhausting. Maintaining a strong credit standing is really important to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional well-being. Unfortunately, my efforts to address these issues have been consistently ignored, compounding the negative impact on both my personal life and 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The company are reporting information on my credit report without my consent. I request for them to remove them off my credit report and failed to do so.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The company are reporting information on my credit report without my consent. I request for them to remove them off my credit report and failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation
State: VA

Complaint narrative:
This organization messaged me about debt. However, I am XXXX and have no financial obligation so I am certain I have no debt. In an attempt to frustrate them, I asked if they were real and that they should try scamming someone else. What they are doing is not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: WA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To my shock I was recently denied refinancing my home because of an unknown lien.

I had never received any correspondence from JH Portfolio or XXXX XXXX. 
I have had no opportunity to dispute this debt. 


XXXX. A certified copy of a judgment or an abstract thereof, recorded XX/XX/year> as INSTRUMENT NO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JH PORTFOLIO DEBT EQUITIES , LLC, AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
{$7900.00}, and any other amounts due thereunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
Financed a loan through Good Leap for XXXXXXXX XXXX. Company XXXX XXXX was the installer and had warranty through them. XXXX XXXX filed XXXX XXXX bankruptcy. The contract was void once XXXX filed bankruptcy. XXXX is unable le to hold up their portion of loan agreement. Loan was for XXXX. I am stuck with a loan without any warranty as promised when I applied for loan. XXXX XXXX had a warranty for any roof damage as well as any labor cost for equipment malfunction. XXXX XXXX was paid by Good leap for installation as well warranty. I fall under the SCRA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Cashapp account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Federal Student Aid XXXX XXXX Transunion Subject : Urgent Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to officially dispute the inaccurate reporting related to my credit file and to demand immediate correction of this error. The account in question is [ Account Number ] with [ Creditor Name ]. It has been erroneously marked as a charge-off ( CO ) for collection, which is not only incorrect but also a violation of my rights as a consumer under the CARES Act.

As per the provisions of the CARES Act enacted in XX/XX/XXXX, creditors are prohibited from reporting negative information for accounts impacted by COVID-19, assuming previous good standing or deferred payment terms. My account was paid in full on XX/XX/XXXX and then returned by the Department of Treasure now was paid in full again on XX/XX/XXXX, and it is unacceptable that this inaccurate information has persisted in my credit report. 
Please note that I have attached relevant documentation evidencing my full payment, along with my account history, which clearly demonstrates that this account was never in default or delinquent. 
I demand that you conduct a thorough investigation into this matter and amend my credit report immediately to reflect the accurate status of my account. This misrepresentation is causing significant harm to my ability to obtain credit and is, therefore, urgent that this issue is resolved without delay. 
I expect a prompt response and resolution. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond to me within 30 days. Please send me a written confirmation of the actions you are taking regarding this matter, as well as an updated copy of my credit report once the corrections are made. 
Thank you for your immediate attention to this serious issue. 
Sincerely, 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