vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive noticed some unfamiliar items on my credit report that I believe may be the result of identity theft, as I did not authorize these accounts. Ive addressed this issue before, and Im now requesting that these accounts be removed from my report as soon as possible. Their presence is causing me significant stress and does not accurately reflect my credit history or financial management. If we can not resolve this issue promptly, I am prepared to take legal action to protect my rights and find a solution. These inaccuracies are seriously hindering my ability to achieve important financial goals, such as buying a house and supporting my family. I hope we can address this matter quickly.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report contains some billing errors, including late payments that aren't consistent with my payment record. Please amend these errors and update my account.

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 2024-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I graduated from XXXX XXXX XXXX. with XXXX degree in XXXX. I XXXX XXXX XXXX for post XXXX XXXX from XXXX, and consolidated my federal government student loans in XXXX. In XXXX the Biden Administration was doing One-Time Payment Count Adjustment to grant loan forgiveness. based on the recount I have exceeded the 20 years payment and should have received some forgiveness. I contacted StudentAid.gov and they said they would be getting to my loans by the end of XXXX. I continued to reach out to get the one-time count adjustment and was directed by StudentAid. gov to reach out my loan servicer. my servicer is AidVantage ( previously XXXX ) and they told me to reach out to studentaid.gov. i sent multiple inquiries, complaints, and escalations to AidVantage and StudentAid.gov. I was told by my servicer that when i consolidated, my loan payments were reset to XXXX. They are not adhering to the one-time recount. Their practices are shady and had i known, i would have never consolidated with this company. 'AidVantage ' ( XXXX ) was intentionally misleading and has shady busy practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
One of my employees deposited a check. The same day a representative informed me that the check will not clear after the deposit was accepted. They immediately restricted my account and told me that they reserve the right to restrict my account if they believe my account is a high risk account that has performed a high risk transaction. This violates my rights as a consumer. They are now holding my money until XXXX XXXX. They have restricted my use of my account and are forcing me to close within the next 14 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My husband, XXXX and I had a Citi VISA because that is the card XXXXostco is partnered with. When XXXX became XXXX, he could no longer shop at Costco, so we added our son XXXX to our membership to help with the shopping. Because only 2 people can be on an Executive membership, Costco cancelled XXXX 's membership when XXXX was added. As a result Citi VISA sent an email saying XXXX 's credit card would be cancelled. I called Citi at the end of XXXX to make sure Citi VISA would remain active and was assured it would stay active because it was a separate card number. They lied. I went food shopping using the Citi VISA and it was declined. I called customer service on Saturday, XX/XX/XXXX very irritated to ask them about this. They replied it was cancelled because XXXX 's card was cancelled AND that the Costco reward balance of {$100.00} would be forfeited because the card was cancelled. 

They wouldn't issue me another card, saying I should apply for a new one but the rewards would still be forfeited. Not only did they lie about my card staying active, cancelled it anyway and then arbitrarily took away my rewards. This is not the way to treat a long time customer that always paid their credit card bill.

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 2024-10-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: I.C. System, Inc.
State: WI

Complaint narrative:
Ive called IC Systems to resolve a debt collection i have with the company in the amount of {$180.00}. I called multiple times and i have not heard anything from the company. First called was made on XX/XX/2024 at XXXX. Second call was XX/XX/2024 at XXXX, third call XX/XX/2024 at XXXX. All on the same day, different attempt on XX/XX/2024 at XXXX and XX/XX/XXXX at XXXX. I have not heard nothing back from the company, im trying to resolve this matter to come with an agreement for a settlement. 
:

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: CA

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.

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 explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-10-18 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Someone attempted to apply for cars credit cards and loans in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Skrill for its failure to resolve a payment transaction issue that has been ongoing since XX/XX/2024, when I initiated a transaction that has been on hold without any resolution despite numerous follow-ups. 
Issue Summary : Transaction Date : XX/XX/2024 Transaction Amount : {$300.00} USD Receipt ID : XXXX Transaction ID : XXXX Despite providing Skrill with all necessary details, including the senders and recipients information, and repeatedly requesting either a resolution or cancellation of the transaction, Skrill has not taken any meaningful action to resolve the issue. 
Specific Concerns : 1.Delays in Reversal : I have requested Skrill multiple times to reverse the transaction and return the funds to my account. Skrill has either ignored my requests or provided vague responses, failing to act on the situation. 
2.Lack of Communication : Skrills customer service has been unresponsive, leading to an extended delay, which has caused significant frustration and financial inconvenience. 
3.Request for Resolution : I request that Skrill immediately cancel or reverse the transaction and return the funds to my account using the original payment method. I am also seeking compensation for the inconvenience caused by their poor service and delay in resolving this issue. 
Desired Outcome : Immediate cancellation or reversal of the transaction.

Confirmation of the funds being returned to my account. 
Clear communication on the steps taken by Skrill to resolve this issue.

I look forward to the CFPBs assistance in ensuring Skrill resolves this matter promptly and improves their handling of such cases in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: MN

Complaint narrative:
My cashapp account was randomly closed onXX/XX/2024 due to a vague reasoning listed as violations of terms. Cashapp has a history of doing this to others after Ive done some research online. Ive been a customer for years and used my account for small daily transactions at the gas station and whatnot, nothing out of the ordinary. I recently disputed an XXXX charge for a mere {$19.00}, which Im assuming is one reason why cashapp closed my account, because they dont want to do the legwork of protecting their customers money. Either way, my complaint isnt about the closure of my account, rather its about cashapp refusing to return my money to me and consistently lying stating they didnt receive it. I have several receipts from XXXX confirming they processed the refund of {$19.00} to my cashapp account, yet cashapp refuses to release the money to me and continually lies stating they dont have it. Cashapp will face lawsuits inevitably and their scummy employees who willingly practice business this way should be held liable as well because this is beyond illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I got my license for XXXX XXXX in XXXX of XXXX and was signed up with this company incorrectly. I logged into XXXX and paid a {$15.00} fee on XX/XX/XXXX. I had to sign up for training with XXXX to move to the XXXX XXXX XXXX side of things and should not have ever signed up for XXXX. As a XXXX XXXX XXXX XXXX you are not allowed to have access to XXXX so, I figured the account would close and all would be good. XXXX sent me to collections for {$200.00} for a system I do not use and can not use. I will not pay this amount to them because I should have never been signed up for the service. I will also not pay for a system I will never use. I have contacted them in regards to this and they have stated I need to pay them even if I never needed the service which is a violation of my rights. XXXX is voluntary and I am not volunteering for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violationwhich I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed multiple disputes with XXXX, XXXX, and Transunion. I have not recieved the results of the investigation. There are numerous discrepancies on my credit report that need to be fixed or deleted. Please assist me by ensuring the bureaus 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