vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am formally filing a complaint for the following account listed on my credit reports for the following reasons : 1. USAA XXXX XXXX. a. Acct # : XXXX b. Last reported : XX/XX/21 There are several issues concerning these accounts that make them fraudulent and/or illegal. The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to 15 USC 1602, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement. The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: TX

Complaint narrative:
XXXX initiated an internal transfer of loans with the expectation that it would take XXXX weeks before being able to gain access to them. It has been past that point and when speaking to customer service they state they have no updates, ETA, or can advise on what to do beyond checking back each day. They advised they do not have a plan if this issue persists past XX/XX/2023 and could potentially cause customers to accrue interest on higher balances. They have effectively made it where you can not make any payment and do not have a time frame on when they will allow payments to resume. This is causing undue stress for those that are attempting to pay down balances or even pay off their loan balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a account on my credit report that does dont belongs to me this is identity theft. account number XXXX need to remove from my consumer 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 2023-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
On XX/XX/14 I contacted Fortiva Retail Credit XXXX 2 times and spoke to 2 representatives. I was looking to get information on financial hardship for COVID related reasons. I am currently up to date on my account and was looking to get ahead of being behind. Both representatives explained there were no options and provided 3 numbers to 3rd party credit counselors, when you call there are promotions and fees. I did ask one of the Fortiva Representatives if I could close my account and make low monthly payments, she closed my account and said I had no options on the payments. I then tried to text a representative through the Fortiva website and texted a XXXX who also provided the same numbers and when asked about late fees and interest said I would still accrue both even if the account is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On Sunday, XX/XX/XXXX I placed an order for a dress for an upcoming wedding from XXXX XXXX XXXX 

Upon checking out, I was redirected to Paypal for payment. I sent the merchant {$88.00} ( which turned out to be {$92.00} total with fees ) via PayPal through my checking account. Once payment was sent, I found out the money was being sent to XXXX XXXX XXXX, which does not match up with the website I had purchased from. 

I reached out to the merchant and have not received a response. I was also unable to send the merchant a message through their " contact '' page on their website XXXX XXXX XXXX XXXX I have also not received a confirmation email for my order. I believe I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am formally filing a complaint for the following account listed on my credit reports for the following reasons : 1. XXXX XXXX a. Acct # : XXXX b. Last reported : XX/XX/22 There are several issues concerning these accounts that make them fraudulent and/or illegal. The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to 15 USC 1602, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement. The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: NY

Complaint narrative:
Hold put on t card for suspected fraud ; i verified my information and the transactions in question, but they wouldnt release my card because they said i didnt have my security questions set up, and told i couldnt call for another week Spent several hours in the phone trying to get this sorted out, being bounced between customer service and fraud dept many times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am currently looking to purchase a car and my credit report is reporting a numerous amount of inaccuracies. Hard inquires as well as an auto loan that has been paid in full. I am very concerned consumer and want only true information about me reporting. Please removed this inaccurate information as you are in violation. 15 U.S.C 1681

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST HORIZON BANK
State: ME

Complaint narrative:
I have asked for a replacement card many times and I have not received one. Today I am willing to pay to overnight a card to my work address but they said I had to go to a branch. I live in Maine. The closest branch is in Virginia. I asked to speak to a supervisor and was told I could not, my only action was to go to a branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP
State: OH

Complaint narrative:
Today is XX/XX/XXXX. I am receiving calls from KeyBank stating I owe {$30.00} for a service fee on an account ( maybe a checking account ) closed in XX/XX/XXXX. I have never received any previous written communication or phone calls about this. It would seem that KeyBank would have an obligation to notify me in writing with a statement, or some other means, rather than waiting nine years to bring this to my attention with a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, I paid to rent a room while working in XXXX. When I arrived at the landlord 's home, I noticed that she misled me with her hosting profile. I left the unit after staying 2 nights because I felt unsafe. On XX/XX/XXXX, I filed a claim with Capital One Bank for a total of {$2500.00} after the landlord failed to provide services for a room I initially rented for 30 days. I explained this situation to the claims department and received a denial on XX/XX/XXXX. I called back to receive additional information and learned that the claim was submitted inaccurately. I resubmitted the claim with another representative who mentioned he would make a note of that. On XX/XX/XXXX, the claim was denied again. I spoke with numerous reps, with all different explanations, but it appears they refuse to approve the claim because of XXXX 's terms and conditions. However, the funds came from my Capital Checking account, which is also connected to XXXX. The landlord refused to issue a refund. As a result of this, I was forced to file a claim in court against the landlord with a court date set in XX/XX/XXXX. Due to Capital One 's failure to support me as a customer, I had to take matters into my own hands. I am disappointed in the lies and inconsistencies with their claims department. This is fraudulence on the recipient 's behalf and Capital One has done a poor job of protecting me as a customer. I believe something can and should be done about all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : 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 non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
The amount that was financed is wrong and they are. Also representing late payments thats incorrect

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this 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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the provisions set forth by the Fair Credit Reporting Act ( FCRA ), a critical legislation enacted to safeguard the rights of American consumers regarding credit bureaus, I hereby initiate a formal dispute concerning the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have identified certain discrepancies and concerns pertaining to the reporting of this account. Specifically, the status of " Charge-off 'XXXX and the associated payment history do not accurately reflect my understanding of the account 's activity. Furthermore, the reported balance appears to be inconsistent with the provided credit limit. 

I would like to remind Equifax of the stipulations within the FCRA, notably : 15 U.S.C 1681 Section 602 A : This section highlights my right to privacy and the necessity of accurate credit reporting.

15 U.S.C 1681 Section 604 A Section 2 : This provision outlines that a consumer reporting agency can not furnish an account without obtaining my written instructions.

15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal provisions and the disparities identified within the account reporting, I am formally requesting a thorough investigation into this matter. I expect that Equifax will diligently address the discrepancies, rectify the inaccuracies, and ensure the compliance of the reported information with the principles outlined in the FCRA. 

Furthermore, I assert my right to terminate any communication tactics related to this account. I expect that no further communication attempts will be made by any involved parties, including debt collectors.

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your dedicated efforts to address this dispute and uphold accurate and equitable credit reporting. Thank you for your cooperation and adherence to the fundamental principles of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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