vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: GA

Complaint narrative:
I am writing to formally express my deep concern regarding the disputed accounts currently listed on my credit report. Despite repeated attempts to address these inaccuracies, I have yet to receive any satisfactory resolution or corrective action. These errors are significantly impacting my credit profile, causing severe hardships and affecting my ability to manage my financial affairs effectively. 

The inaccurate accounts in question have tarnished my credit file and are unjustly impeding my daily life. Therefore, I urgently request your immediate assistance in conducting a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken promptly to rectify and update my credit report. 

I kindly ask that you initiate the investigation process without further delay and ensure that all erroneous information is corrected in accordance with the Fair Credit Reporting Act. Restoring the accuracy and integrity of my credit file is essential for me to regain control over my financial well-being. 

Your prompt attention to this matter is greatly appreciated. I look forward to your swift response and the resolution of this issue at the earliest convenience. 

Thank you for your cooperation and understanding.

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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I disputed an atm amount transactions for the amount of XXXX $ on XX/XX/year>. Then received a letter on the mail stating they have completed there research of the inquiry about charges of {$6000.00} on your account. 
Because we have been unable to reach you or we did not receive the information we requested from you, we based our decision on the information available. We have determined the transaction was authorized or that a processing error did not occur. As a result, please consider your claim closed. If you would like us to reopen your claim, please provide details of the reason for your dispute. I then called and asked what additional information I can provide. The investigator then stated it closed and there is no additional information or anyway to reopen this 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 explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have a two private loans with the lender Navient for my XXXX degree. My school has been disbanded, closed and involved in many legal lawsuits due to many fraudulent mishandling with students, so much so, the school closed in XXXX. The XXXX XXXX XXXX XXXX XXXX has even granted me my borrowers defense application and erased my federal student loans. My degree can not be transferred to another school to further my education because the credits do not count, neither does my degree. 
On XX/XX/XXXX, I submitted a school misconduct application with Navient and provided more than enough documents to show how this school fraudulent. I was sent an email on XX/XX/XXXX, stating my application was denied. I called the Navient school misconduct number at XXXX and I was told they could not give me or provide me a reason as to why they denied it. They also told me I could not appeal the decision and if I wanted to extend my forbearance I would have to give them money up front to do so. I am unable to refinance my student loans with XXXX XXXX XXXX because the school 's name doesn't even exist. Causing financial hardships. The XXXX database of accredited XXXX XXXX and XXXX does not recognize this school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my Credit Report ( XXXX and XXXX ). 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from Capital One Bank Usa Na on XX/XX/XXXX and XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
In additional to that please correct the address, since the address which is under my personal information is incorrect - XXXX XXXX XXXX XXXX, CA XXXX never associated with me. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX GOLDMAN SACHS Dear Sir/Madam , I am writing to bring to your attention a matter regarding a recent credit application I submitted to Goldman Sachs. Pursuant to the provisions outlined in 15 U.S. Code 1691, it has come to my attention that my application was denied despite my having exercised my rights under this chapter in good faith. 

Specifically, the law prohibits creditors from discriminating against any applicant in any aspect of a credit transaction based on the applicant 's exercise of rights under the law. Despite my genuine and lawful application, I received an adverse action, which is defined under the law as a refusal to grant credit in substantially the amount or on substantially the terms requested.

I believe that Goldman Sachs may have inadvertently overlooked my rights under the law, and I am writing to give you the opportunity to rectify this situation before further escalation is considered necessary. I trust that Goldman Sachs values compliance with federal regulations and aims to remedy any inadvertent oversights promptly. 

I am hopeful that by bringing this matter to your attention, we can resolve it amicably and ensure that my application is reconsidered in accordance with the law. Please feel free to contact me at the email address to discuss this matter further or to provide any clarification you may require.

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXXXXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account was not reporting accurately. I had a late payment on an account that went into a charge off, where I had actually made the payment. The consumer reporting agencies have the need to report all information with complete accuracy. 
This account did go into a charge off and has been paid yet, the dates XX/XX/year> between the credit reporting bureaus are conflicting. I request that the accuracy of these reports be investigated and provide me with verifiable proof with records showing that the account was paid. 
If this information can not be verified, I request that the account become removed from the credit reporting. 
Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: NM

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-22 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: NM

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my serious concern regarding the inaccuracies on my credit report. Despite multiple requests for investigation, I have yet to receive a satisfactory resolution or corrective action. These disputed accounts are having a severe impact on my credit file and significantly affecting my daily life. 

The inaccuracies have caused immense hardship, and I am now compelled to request your immediate assistance in addressing this matter. Please conduct a thorough investigation into each of the disputed accounts and take prompt action to update and correct my credit report. 

Restoring the accuracy of my credit file is crucial for my financial well-being, and I urgently need your help to rectify this situation without further delay. Your swift action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your understanding and prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: NY

Complaint narrative:
Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , N.Y. XXXX SSN XXXX XXXX The IRS clearly states that lenders or creditors are required to issue Form 1099-C, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more. 

So I am demanding that you remove the following accounts from my credit report immediately since you are in violation of FCRA 15 U.S. Code 1601 and FCRA 15 U.S. Code 1681 section 602. 

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Also, XXXX account is showing that I was 120 days late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How is that possible? 

REMOVE IMMEDIATELY or face a {$1000.00} fine for each account. 

Please send me a new updated credit report in 30 days to the mailing address listed above. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX DOB : XX/XX/XXXX SSN : 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 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
HI BANK OF AMERICA ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
1. No one EVER answers the phone when you call the customer service number printed on my credit card statement. XXXX or XXXX XXXX. As of a month ago, my online portal showed me having a {$0.00} balance, which is inaccurate, but I chalked that up to the notice on my statement announcing that the Yard Card ( Retail Credit Card ) was upgrading to a new web portal access. However, using the instructions on my paper credit card statement, the new portal would not allow me to login using my same credentials. I attempted to re-register, but the first question it asks is my full credit card number and when I input that information it says that I'm not providing a valid credit card number. 
Can you please help me with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-07-22 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: TN

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 explanation
Consumer complaint received 2024-07-22 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: LA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute for the 3rd time! the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX Balance {$7300.00} Name : XXXX XXXX  Account NumberXXXX Date XXXX Balance {$460.00} Name : XXXX XXXX XXXX  Account NumberXXXX Date OpenedXXXX Balance {$130.00} Name : XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX  Balance {$14000.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 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
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute for the 3rd time! the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX Balance {$7300.00} Name : XXXX XXXX  Account NumberXXXX Date OpenedXXXX Balance {$460.00} Name : XXXX XXXX XXXX  Account NumberXXXX  Date OpenedXXXX Balance {$130.00} Name : XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX Balance {$14000.00} XXXX believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 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