vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: GA

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
SANTANDER CONSUMER USA - XX/XX/XXXX - {$350.00} XXXX - XX/XX/XXXX - {$0.00} On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-10-18 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:
Im begging you please remove this to the 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 2023-10-18 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
A copy B for Debtor was received 1099-C sent by XXXX XXXX confirming payment of the charged off account that has the balance of {$11000.00} which i will attach separate from this letter this is confirmation that the debt has been settled and needs to be removed and not shown as charged off. I am requesting this account for this balance to be removed from my credit report as settlement has been established by both parties and PORTFOLIO RECOVERY ASSOCIATES continue to report to XXXX, XXXX, and XXXX an account that has been settled I am requesting that this account with XXXX XXXX to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Fortress University Inc.
State: CO

Complaint narrative:
I started with Fortress XXXX XXXX to have my credit report fixed. They said they could set me up with a payment plan for their services. I was told I could cancel within a year if I wasnt satisfied. I signed a payment agreement XXXX. After close to a year I wasnt seeing much of a change or benefit to using the company so I canceled my membership XXXX before the year was up. However, I am still being charged for services I am no longer getting. When I asked why I was being charged still they neglected to respond. Saying, You're account is tag as cancelled, so we are no sending dispute letters anymore. The payments made to Fortress are considered tuition, so it's 100 % tax deductible or refundable depending on how you file your taxes. They claim it as an education program when they are a credit repair company. Come to find out the payment plan I was set up was through another company and I was told to take it up with XXXX XXXX. XXXX XXXX said take it up with Fortress. So now XXXX XXXX is still trying to collect for canceled services. Fortress is a bait & switch company. They get their money and when they fail to provide satisfactory service and you cancel, youre still left footing the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: TN

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.

has violated my rights. Or a list of inquiries : 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: TN

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.

has violated my rights. Or a list of inquiries : 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 information is inaccurate.

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 2023-10-18 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: FL

Complaint narrative:
I dont recognize these accounts, delete XXXX *XXXX XXXX XXXX *XXXX XXXX *XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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:
I dont recognize these accounts, delete XXXX *XXXX XXXX XXXX *XXXX XXXX *XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I have submitted my Employment Certification for all of my nonprofit employment periods and my eligible payments towards PSLF has not been applied. I should over 120 payments to begin my loan discharge but MOHELA/Fed student aid has failed to count these correctly and applied them to my qualifying/eligible payments for the dates of XXXX. Ive been told I just have to wait but XXXX and MOHELA has had this paperwork for over 3 years but they are not applying it correctly. And I asked for Forbearance or pause to monthly loan payments until issue resolved and they have denied my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Best Buy store card. Several months ago, I received a Best Buy XXXX Credit Card. The offer did not include the credit card terms and conditions to explain the fees, etc. so I called Best Buy. I said I did not want the XXXX card without knowing the terms and that I would keep the store card. I was told that unless I activated the XXXX card that it would not be implemented. I did not activate it because I did not have the terms and conditions. I shredded the XXXX card. Best Buy has since converted my store card to a XXXX credit card and moved over my balance. I called Best Buy on XXXX and the card department said that I would not be getting my store card back. If this is an unfair practice, I would like my store card back. I do not want their XXXX credit card.

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 2023-10-18 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-10-18 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-10-18 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: AZ

Complaint narrative:
When making attempting to complete the final {$34.00} of my monthly minimum payment for my XXXX  XXXX XXXX credit card in XXXX of 2022, the payment had been returned due to insufficient funds in the account attempted, which then lead to my credit card payment becoming 30 days late as a result. This was during a period financially where I was still experiencing hardship* from the COVID-19 pandemic, and continued difficulty obtaining new employment as a result. They then closed* my credit card immediately. I had maintained this credit card account for 10 years up to this point with 0 late payments, and for my account to be closed immediately after 1 late payment is disgusting. The reason being, is I paid not only the amount remaining for the minimum payment off within days of this occurring, I then paid off the entire $ XXXX balance off within the next week or so. My largest issue is that upon the return of the payment due to insufficient funds, I was NOT NOTIFIED of the returned payment. There was NO email communication, NO phone call, NO automated text, and NO notice by mail*. The ONLY communication I had received was that the credit card had been closed, after the fact, via mail. I submitted a complaint through the XXXX, which XXXX XXXX  XXXX did reach out to me to inform me of the reasoning behind the actions, which I still do not agree with. Had I been notified AT ALL of the returned payment, I could have made accommodations quickly to avoid the payment becoming 30 days late, not to mention them taking it upon themselves to CLOSE the credit card ENTIRELY, since both of these actions affect my credit file TREMENDOUSLY. There has to been some regulation or law requiring them to provide a warning of actions taken against me if certain actions aren't taken to remedy an issue with a credit card account when then repercussions are as large as closing a credit line ENTIRELY without* warning.

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 2023-10-18 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: LEXISNEXIS
State: AZ

Complaint narrative:
When making attempting to complete the final {$34.00} of my monthly minimum payment for my XXXX  XXXX XXXX credit card in XXXX of 2022, the payment had been returned due to insufficient funds in the account attempted, which then lead to my credit card payment becoming 30 days late as a result. This was during a period financially where I was still experiencing hardship* from the COVID-19 pandemic, and continued difficulty obtaining new employment as a result. They then closed* my credit card immediately. I had maintained this credit card account for 10 years up to this point with 0 late payments, and for my account to be closed immediately after 1 late payment is disgusting. The reason being, is I paid not only the amount remaining for the minimum payment off within days of this occurring, I then paid off the entire $ XXXX balance off within the next week or so. My largest issue is that upon the return of the payment due to insufficient funds, I was NOT NOTIFIED of the returned payment. There was NO email communication, NO phone call, NO automated text, and NO notice by mail*. The ONLY communication I had received was that the credit card had been closed, after the fact, via mail. I submitted a complaint through the XXXX, which XXXX  XXXX XXXX did reach out to me to inform me of the reasoning behind the actions, which I still do not agree with. Had I been notified AT ALL of the returned payment, I could have made accommodations quickly to avoid the payment becoming 30 days late, not to mention them taking it upon themselves to CLOSE the credit card ENTIRELY, since both of these actions affect my credit file TREMENDOUSLY. There has to been some regulation or law requiring them to provide a warning of actions taken against me if certain actions aren't taken to remedy an issue with a credit card account when then repercussions are as large as closing a credit line ENTIRELY without* warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have XXXX Federal student loans through Navient both under consolidation since XXXX XXXX XXXX From XX/XX/XXXX through XXXX XXXX XXXX  there were only XXXX payments where the entire payment amount was applied to interest and {$0.00} to principal. In other words XXXX out of XXXX payments had some portion applied to principal. 

However, something that is out of place occurred between XXXX and XXXX. From XX/XX/XXXX through XX/XX/XXXX all payments were applied to interest Only. 
That's a total of XXXX payments were no principal was applied. Perhaps there was something with the pandemic. But I never asked for forbearance. In fact, I didn't have any remaining forbearance on the loan. When I called for an explanation, the representative only spoke in generalities, but can not explain why such a long period of time passed were no principal was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.

Complaint narrative:
I am a XXXX XXXX  and I'm going to explain my problem. I worked in XXXX XXXX, NJ last summer and this summer too. My bank was PNC. This year was my last year participating in the programm. So I went to PNC to ask them if i can send the money to my bank account in XXXX and close the bank account the same day. They said no, that I need to send the money 3 days before closing the bank account because they can't do it if there is a pending operation. So I went to the bank and sent the money ( XX/XX/XXXX ), I received a document stating that the money was sent and that I will be receiving it within 2 weeks. After 3 days, I went to the bank and asked if everything was in order with the wire transfer and they said yes, so I closed the account because I'm not going back ( XX/XX/XXXX ). The very next day I flew back to XXXX. Fast forward to today ( almost 2 months later ), I still don't have my money. They called me and told me there was an issue and that they don't work with the bank I was trying to send the money to. So I gave them a new bank account in XXXX to send it to but they refuse to do it because of their policy. They say that the only thing they can do is send me a check to my last address ( it is in the XXXX and I live in XXXX ). I tried explaining that my bank doesn't work with checks but they don't care. So I basically lost all the money I worked for in the XXXX. Please I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: TN

Complaint narrative:
Im requesting a block be placed on my credit report I tried numerous times to get these account removed Im a victim of identity theft these account was opened fraudulent in my name without my signature Im asking the creditors to provide my signatures and burden proof and sufficient verification that it was me that open these accounts. I want these accounts removed immediately from my credit report Im asking for an investigation of these accounts I have sent my identity theft report via mail once again remove these accounts I have sent to Transunion off my credit report you have 30 business days to respond if no reply by law its an obligation to remove the listed accounts thanks 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 non-monetary relief
Consumer complaint received 2023-10-18 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: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-10-18 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:
There are multiple unauthorized uses of my credit report that I did not approve or make, I have no association with these accounts that were trying to be opened. 
XXXX XXXX XX/XX/2023 Experian XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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
Consumer complaint received 2023-10-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Us auto sales closed down and sold my contract to Westlake portfolio management without me knowing or my consent. I didn't find out until I received a bill from Westlake portfolio management around the middle of XXXX XXXX by this time my account was behind, and I was making my payments to us auto sales. I made my last payment in XXXX of XXXX to us auto sales. when it was time to make another payment, I had no clue that us auto sales had closed and sold my contract to Westlake portfolio. its more but I will explain more when contacted. basically, as a result of this my car was repossessed and now, I am about to lose my job because I don't have transportation to work and really my account shouldn't have been in repo status.

Company response to consumer: Closed with explanation