vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
XXXX XXXX XXXX is hurting me my credit report negatively when under the FDCPA they must send me a validacin of the debt : Original creditors full mame and address Date your company purcharse said debt Amount you paid for said, debt date of last activity/payment if any This is an official request validation, debt should you be unable yo provide such proof and contine to report negatively against my credit. I will take legal action.

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 2024-04-16 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: MD

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for 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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello. So my Chase checking account got closed due to suspicious activity because I XXXX XXXX to my saving account ( XXXX  ). So the funds ( XXXX in total ) inside are trapped and the bankers told me that I had to verify them to get back. So I did what they say and collect the phone numbers of people who deposit the money to my account. One person deposited using XXXX which can be verified but for the rest of the money ( amounting in XXXX ) the other people deposited by money ordering. A person from the headquarters told me that those can not be verify and the bank will hold it for 2 years and release them as government funds. I even told the bank that the people who deposited for me can literally go to the bank and verify for them. PLEASE HELP ME GET THOSE BACK BECAUSE I NEED THEM FOR MY TUITION FEES AND I AM AN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding the inaccurate and outdated information on my credit report, despite my repeated attempts to rectify the situation. I have sent four separate letters to all three major credit bureaus- XXXX, XXXX, and TransUnion - requesting the update of my personal information, including my address, phone number, and employment details. Additionally, I have explicitly instructed them to remove any old and fraudulent information that is currently being reported on my credit report. 

It is disheartening to see that my efforts to correct these discrepancies have been unsuccessful thus far. I firmly believe that having multiple addresses, phone numbers, and places of employment listed on my credit report creates a distorted image of my financial stability and creditworthiness [ 1 ]. This inaccurate representation can have serious consequences when applying for loans or seeking financial opportunities. 

I have taken the necessary precautions to verify my identity by including copies of my driver 's license, social security card, utility bill, and a notarized letter. These documents serve as undeniable proof of my identity and should have been sufficient for the credit bureaus to validate and update my personal information accordingly. 

Furthermore, the presence of outdated and fraudulent information on my credit report not only undermines my financial standing but also raises concerns about potential identity theft or fraudulent activities [ 4 ]. I have diligently followed the recommended steps of disputing these erroneous entries, yet my requests for their removal have been overlooked or ignored. 

I am reaching out to the CFPB in hopes of resolving this matter promptly and effectively. It is crucial that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of credit reports. I kindly request your intervention to investigate this issue thoroughly and ensure that the credit bureaus take the necessary steps to update my credit report with accurate and up-to-date information.

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 2024-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MN

Complaint narrative:
Mohela sent me my letter of loan forgiveness under PSLF on XX/XX/XXXX. On XX/XX/XXXX they put the balance back on my account as owed and stated they " made a mistake ''. It had already been removed from my credit report and I had moved forward with new financial obligations aimed at retirement making it very difficult to absorb this monthly payment I was told was forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: NV

Complaint narrative:
Transunion Has reinserted deleted accounts I will be attaching documents. This is a FCRA violation these accounts and inquires must 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 non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: VW Credit
State: PA

Complaint narrative:
I am the co-signor of the vehicle that was leased by my son. My son XXXX XXXX XXXX XXXX XXXX  that when he XXXX XXXX XXXX XXXX XXXX  requires him to undergo XXXX XXXX  to be administered at a hospital. When this happened was around XXXX. He then required XXXX in XXXX due to his airways ( nose and throat ), and voice box XXXX XXXX XXXX XXXX XXXX. All of these areas needed to be addressed with XXXX to prevent further complications. My son XXXX XXXX XXXX XXXX  and in recover for over 3 months after that. He was give permission to go to work a couple of weeks ago and has been in a complete financial distress. He tried numerous of times to have the company owning his lease to give him options while he was facing all these issues. He had a on time payment history throughout the life of the lease. The company ( Volkswagen ) on an Audi vehicle, did not offer any type of extensions or to at least offer other options while he was in such a delicate health state. We are now facing a charged off account with possible repossession. One option give is to voluntarily Forfeit the vehicle which is then auctioned and amount collected is applied to balance and my son will be responsible for paying the remaining balance ( this is a used car so they will not sell for a high enough price to make balance feasible in paying. Other option given was to have car repossessed with a balance of {$40000.00} placed as final charge or repossession. Final option is to pay off the entire amount of XXXX dollars to settle account and keep vehicle. My sons flare ups are induced by stress and XXXX  and this is something that has been weighing heavily on him for some months now. We have tried everything possible with the company who refuses to help in this situation. I unfortunately am a single hardworking mother of 3 and sole provider of our family, I do not have the means to help my son pay this XXXX that is being asked and can not imagine having to see my son have a relapse in his health again due to this situation. I ask that you please help us solve this. I have attached last obtainable invoice of XXXX as there were invoices dated for XXXX and XXXX, but they revoked my access to my account. As well as proof that they started reporting delinquent account in XXXX of this year and by XXXX placed it as a charge off with balance going from {$680.00} to {$40000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please check the documents that I've sent. There are unauthorized inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding the inaccurate and outdated information on my credit report, despite my repeated attempts to rectify the situation. I have sent four separate letters to all three major credit bureaus- XXXX, Equifax, and XXXX - requesting the update of my personal information, including my address, phone number, and employment details. Additionally, I have explicitly instructed them to remove any old and fraudulent information that is currently being reported on my credit report. 

It is disheartening to see that my efforts to correct these discrepancies have been unsuccessful thus far. I firmly believe that having multiple addresses, phone numbers, and places of employment listed on my credit report creates a distorted image of my financial stability and creditworthiness [ 1 ]. This inaccurate representation can have serious consequences when applying for loans or seeking financial opportunities.

I have taken the necessary precautions to verify my identity by including copies of my driver 's license, social security card, utility bill, and a notarized letter. These documents serve as undeniable proof of my identity and should have been sufficient for the credit bureaus to validate and update my personal information accordingly.

Furthermore, the presence of outdated and fraudulent information on my credit report not only undermines my financial standing but also raises concerns about potential identity theft or fraudulent activities [ 4 ]. I have diligently followed the recommended steps of disputing these erroneous entries, yet my requests for their removal have been overlooked or ignored. 

I am reaching out to the CFPB in hopes of resolving this matter promptly and effectively. It is crucial that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of credit reports. I kindly request your intervention to investigate this issue thoroughly and ensure that the credit bureaus take the necessary steps to update my credit report with accurate and up-to-date information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: NC

Complaint narrative:
I am writing to file a complaint regarding the inaccurate and outdated information on my credit report, despite my repeated attempts to rectify the situation. I have sent four separate letters to all three major credit bureaus- Experian, XXXX, and XXXX - requesting the update of my personal information, including my address, phone number, and employment details. Additionally, I have explicitly instructed them to remove any old and fraudulent information that is currently being reported on my credit report. 

It is disheartening to see that my efforts to correct these discrepancies have been unsuccessful thus far. I firmly believe that having multiple addresses, phone numbers, and places of employment listed on my credit report creates a distorted image of my financial stability and creditworthiness [ 1 ]. This inaccurate representation can have serious consequences when applying for loans or seeking financial opportunities.

I have taken the necessary precautions to verify my identity by including copies of my driver 's license, social security card, utility bill, and a notarized letter. These documents serve as undeniable proof of my identity and should have been sufficient for the credit bureaus to validate and update my personal information accordingly.

Furthermore, the presence of outdated and fraudulent information on my credit report not only undermines my financial standing but also raises concerns about potential identity theft or fraudulent activities [ 4 ]. I have diligently followed the recommended steps of disputing these erroneous entries, yet my requests for their removal have been overlooked or ignored. 

I am reaching out to the CFPB in hopes of resolving this matter promptly and effectively. It is crucial that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of credit reports. I kindly request your intervention to investigate this issue thoroughly and ensure that the credit bureaus take the necessary steps to update my credit report with accurate and up-to-date information.

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 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, 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 non-monetary relief
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, 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 non-monetary relief
Consumer complaint received 2024-04-16 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:
I'm a victim of identity theft I attached supporting documents below.

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 2024-04-16 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:
I'm a victim of identity theft I attached supporting documents below.

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 2024-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
XXXX. I am a New York resident. The company is not licensed in New York That is a minor issue. 

XXXX. The main issue is that by way of caluclation I am paying 120 % interest a year it is falsely described as acess fee, whenever it is used but it is another way t charge a reidiculsoy high carry fee. 

XXXX. For example my first payment was approxiamtly XXXX for the first month. 
only XXXX get applied to vailble credit the other is a monthly fee. 

This is plain XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Accscient, LLC
State: MD

Complaint narrative:
My name and credentials was used in some type of program that I was not aware of. The program was later found out to be fraudulent. The company was sued and some how or the other a default judgment was placed on my name. It was also registered on my property.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
Hi. I've had a USAA " Limitless '' card for many years. The card offered a XXXX XXXX rewards cash-back, which required a qualifying direct deposit. 

I recently noticed that I was only earning XXXX XXXX cashback, despite continuing to have a monthly direct deposit with USAA. This appears to be going back at least into last year. 

I've looked back over the disclosures that USAA sent me, and I don't see any notices sent to me disclosing this. I did find one notice in XX/XX/year> saying that the rewards program would be changing their technology, but it does not say anything about the rewards rates changing ( I've attached that notice ). 

It is frustrating -- because if I had known that they were reducing the benefits -- I would have stopped using the card ( and also stopped my direct deposit ). 

I tried reaching out to USAA to find out if they actually disclosed this to me, and when. ( I still don't know how long ago this change occurred, because their rewards website does not have enough historical data ). However, their website doesn't seem to have a secure messaging feature any more ( or at least I can't find it ), and the online chat feature appears to be broken or has unresponsive non-human agents. 

Ultimately, I just want to make sure that USAA knows how unhappy I am that they made this change without a prominent notification to users like me. I an annoyed that I continued to use such a sub-par product without knowing the terms had changed. And, I'd like to find out if they did actually send me a disclosure about the change, and when.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation