vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX-Debt XXXX Final Rule. 

ACCOUNTS : Chapter XXXX Bankruptcy XXXX INQUIRIES : { Inquiry name - Inquiry date } XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX & XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SUN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> I emailed Capital One to inform them that My XXXX room was broken into and over XXXX in precious metals was stolen from me. I did not receive what I paid for and XXXX issued only a partial refund and not the entire refund as promised. XXXX claimed to have assigned me a " claims adjuster '' but we believe that there is no claims adjuster and that XXXX willingly broke several federal and state laws by lying and pretending to be claims adjusters. We are suing XXXX for the theft of my property, violating my rights, and the other aforementioned crimes. 

I made Capital One aware of these facts. Capital One provided a provisional credit and then took that credit back expecting me to pay for XXXX 's theft of my belongings. Capital One sent me a generic email stating that XXXX provided " proof '' 'that the charges to my account were valid ''. 

My account went over {$1100.00} in the negative because of Capital One 's discrimination against me and this is not the first time. Capital One has placed restrictions on my account from the very beginning that kept me from spending my own money. Several of their Bank Managers admitted this on record. I will be filing a separate complaint momentarily that directly ties into this one but that is also separate. 

XXXX claimed from the beginning that they would issue me a FULL REFUND and that they had also assigned me a claims adjuster to handle my loss claim. I provided XXXX with video evidence of the crimes and the whole XXXX! 

Therefore, for the record. When I filed my complaint against XXXX  I didnt say that I didn't conduct the transaction, I SAID THAT I DIDNT PAY THEM OVER {$1100.00} TO HAVE MY VALUABLES STOLEN AND THAT THE SERVICES WERE NOT AS DESCRIBED. I also provided Capital One the claims adjusters name and number that XXXX provided me as you can see in the screenshot.. The American People need to know hoe these banks are siding with large corporations to steal from US.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-04 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: TX

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-04 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: TX

Complaint narrative:
Unauthorized inquiries remain on my consumer report despite documented identity theft claims. These fraudulent entries have caused direct financial harm, including loan denials. I have filed reports with the FTC ( documentation attached ) confirming my identity theft victim 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 explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I made a payment of {$1200.00} on XX/XX/XXXX towards my car loan, payment cleared my bank on XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX  I called Bridgecrest because I noticed the payment was not showing in my payment history. I was first told to call my bank and see why and I explained I could see that payment had already cleared my bank. The representative told he me could see that Bridgecrest had received the payment but that it hadn't been applied. After a lengthy phone call he said that payment would show on my account within XXXX hours. 

XX/XX/XXXX at XXXX XXXX  I called Bridgecrest again as payment was still not applied. We went back through the same conversation with them saying I should give it more time and then that it showed in the Bridgecrest portal as being applied but I was using the XXXX portal and that hadn't updated. We set up a Bridgecrest portal and the payment did not display there either. The representative told me the payment would be applied within XXXX hours. 

As of this morning, the payment still has not been processed and XXXX hours have passed, as well as XXXX business days. 

I have been trying to pay this loan early and am not able to see a corrected amount of total remaining balance due to interest being accrued on the incorrect balance. During XXXX I received a late notice on my account, even though I was paid several months in advance. I had to contact and have the fee removed because even though Bridgecrest realized there had been a mistake and notified me the message was sent in error, they only removed the fee after I complained to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), a loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal credit card opened at XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( private ), a loan account opened at XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have paid off 3 or more debts on my account and my score never changed My credit card with XXXX was paid off and they took {$1500.00} from my card, I paid off a vehicle and my credit didn't change and all my student loans was paid off see and nothing change I just see my score decreasing and I'm confused.

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 2024-11-04 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: NY

Complaint narrative:
In XXXX Navient emailed me that they made an error on my account and NEVER applied the .XXXX  % interest rate reduction when you have automatic payments. 
I have been doing automatic payments for multiple/many years prior to XXXX. 
Navient advised they adjusted my account but it is not accurate for many years I have been overpaying in interest for many years and interest accrual. 
I don't believe Navient is accurate on how they adjusted my account and I have overpaid for many years. 

another complaint I have as I did go into forbearance on my loan and I believe that Navient failed to adequately notify me about the my options on income-driven repayments and what other options I had. I am still paying off this loan from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: FL

Complaint narrative:
XXXX is when I first took out loans ( I was directed BY financial aid to do so ). Sallie Mae originally held the loans. Then Navient. Over the course of almost XXXX DECADES, I was steered in the WRONG direction, misinformed, bounced around and lied to. They completely ran me OUT of options to even defer/forbear/and even unemployment options ( I am partially XXXX and havent worked since XXXX so I can not pay these, even if I tried-due to debilitating XXXX  on top of a history of other things ). I was told in XXXX that I was out of options. Mind you ; I have never NOT been in contact with them, paid or updated account info etc. When we moved to XXXX, due to my husbands XXXX XXXX assignment, I even went so far as to explain to them that due to XXXX policy and lack of jobs/positions, there was nowhere TO work and IF I worked on the Italian economy that would mean forfeiture of my American rights overall. Did they help? Certainly not. I was just out of options. I am currently in a IBR with XXXX. But I want to make everyone completely clear as to WHY Navient ( hopefully ) will no longer be able to service ANY loans! I went to a predatory school, full of lies ( no one would hire me due to where I attended, but loved my grades and hands on skills ). And THEN the very people that should be helping you pay for loans that you can not and NEVER did secure a job for..leading you in the very opposite direction? They are just as predatory as some of these very institutions. Shame on them. I took out under $ XXXX and now owe almost $ XXXX thanks to Navient, the insane interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the credit reporting agencies, for their failure to remove inaccurate, unverified, and fraudulent items from my credit report. Despite multiple requests for investigation and validation, they have refused to take appropriate action. 


Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and request validation of debts. I have made several attempts to resolve this matter by providing documentation to support my disputes, including [ briefly mention any supporting documents you sent, such as payment records or correspondence ]. However, the credit bureaus have not conducted a thorough investigation, nor have they provided the necessary validation as mandated by FCRA Section 609, which requires that consumers have access to information regarding their debts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the refusal to remove inaccurate information is a violation of FCRA Section 607, which states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The credit bureaus have failed to adhere to these legal standards. 

I am requesting your assistance in resolving this matter and ensuring that my rights under the FCRA are upheld. I appreciate your attention to this issue and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the credit reporting agencies, for their failure to remove inaccurate, unverified, and fraudulent items from my credit report. Despite multiple requests for investigation and validation, they have refused to take appropriate action. 


Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and request validation of debts. I have made several attempts to resolve this matter by providing documentation to support my disputes, including [ briefly mention any supporting documents you sent, such as payment records or correspondence ]. However, the credit bureaus have not conducted a thorough investigation, nor have they provided the necessary validation as mandated by FCRA Section 609, which requires that consumers have access to information regarding their debts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the refusal to remove inaccurate information is a violation of FCRA Section 607, which states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The credit bureaus have failed to adhere to these legal standards. 

I am requesting your assistance in resolving this matter and ensuring that my rights under the FCRA are upheld. I appreciate your attention to this issue and look forward to your prompt response. 

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 explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
on XXXX XX/XX/year> I closed a Certificate Deposit account with a USAA representative via telephone. The closure was in the amount of {$1000.00} that the representative was instructed to transfer to my internal USAA checking account. There was a system glitch or error that occurred that prevented the funds from being transferred. I have called multiple times, and all USAA keeps doing is opening disputes ( we are currently on # XXXX ) with no progress made on locating the funds and returning them to me. USAA is responsible for the Fianacial hardship caused by them losing {$1000.00} of my money and refusing to return it. They were negligent with my funds!

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 2024-11-04 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: PA

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

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 2024-11-04 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: TX

Complaint narrative:
The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX-Debt XXXX Final Rule. 

ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX LATE PAYMENTS : 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 2024-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence reported to credit bureaux and now I have a hit on my credit report. I never owned a attt box and I never received anything but a WiFi service from them. The box was a part of the complex I lived in. I was wrongfully charged and wrongfully reported to credit bureaux

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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:
The fraudulent and inaccurate entries on my consumer report persist despite my disputes. These unauthorized items resulting from identity theft continue to severely impact my financial well-being and cause significant distress. 

I am taking legal action regarding these fraudulent entries. You are hereby required to delete and block these items from my consumer report within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: IA

Complaint narrative:
Experience has reported on my consumer that I applied for credit thru EXPERIAN OVER 250 times and it is reported as INQUIRIES on my public report. The list of dates include DAILY APPLICATION ATTEMPTS, as if there is a RECURRING PROCESSING default and is AUTOMATICALLY APPLYING MYSELF WITHOUT MY PERMISSION FOR CREDIT CARDS ON THE EXPERIAN WEBSITE. I have NEVER applied for credit cards EVER on EXPERIAN.com. This is false information that is being released publicized reported provided to FINANCIAL INSTITUTIONS, INSURANCE COMPANIES, CHECK CASHING COMPANIES, COLLEGES, AND POTENTIAL EMPLOYERS

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TN

Complaint narrative:
They call all day everyday Ive considered changing my phone number. I did not give them any of my information and it was obtained illegally. According to 15 U.S.C. 1692c ( c ), if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector must stop contacting them regarding that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
Upon checking my credit report, noticed several incorrect accounts. Please block and remove these fraudulent entries 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 non-monetary relief