vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
RE : UNAUTHORIZED INQUIRY, XXXX XXXX  DATED XX/XX/year>, I called TRANSUNION about the above UNAUTHORIZED INQUIRY and asked for removal/deletion. 

Transunion representative instructed me to write a dispute letter as he was unable to delete unauthorized inquiries. 

I have already reported this to IDENTITYTHEFT.GOV, as well, and have written a letter to Transunion. I have already frozen my Transunion 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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/2024 I submitted a balance request to move the balance of my M & T Bank XXXX to my XXXX XXXX XXXX As of XX/XX/2024, my M & T Bank portal is still showing the amount in my account, despite the XXXX saying the transfer was complete and the amount showing up in my XXXX account. Numerous calls to M & T have been placed but the issue persists ; M & T is also charging me fees for past due payments and interest on this amount.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported 12 late mortgage payments from XXXX to XXXX. However, my records demonstrate that 12 monthly payments were in XXXX, 12 monthly payments were made in XXXX, and 9 payments were made in the first 8 months of XXXX. XXXX 's errors in reporting were made for one of three reasons : ( 1 ) I made two payments in XX/XX/XXXX and again in XX/XX/XXXX, with the latter payments intended to serve as mortgage payments for the following month. I believe that XXXX failed to identify these as monthly payments towards the next month. 
( 2 ) The company provides the ability to make payments in their online banking app by transferring funds from a checking account to a mortgage account. While seamless, this mechanism fails to alert a user of any ongoing late reporting status the bank has issued. 

I reached out to the bank with a request to revise these records, as they have crippled my ability to find another mortgage servicer or to obtain a new mortgage for another property. They declined to issue any correction on my behalf to credit reporting agencies. I subsequently filed complaints directly through the credit agencies. XXXX 's failure to act results in my being stuck with them as a high-interest mortgage lender, and puts me in a dependency which they can manipulate, despite my high earning and good credit status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
In XX/XX/2023 I received a letter and claim form from Navient Student Loan settlement, XXXX XXXX Navient Solutions , LLC stating I am part of the settlement and I should receive approximately {$85000.00} in relief. When I contact Navient they state I am responsible for the loans I have and payments need to be made. Im even showing past due on one. Contacting them for clarification, they gave me out of date information and loan numbers that dont match what my documents even show. I contacted them once again and was told one of my loans is eligible. Amounts, dates and loan numbers are not consistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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.

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 2024-02-20 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.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-20 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: WA

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
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
First let me begin by saying that i am XXXX XXXX XXXX attending XXXX XXXX University. I recently applied to an internship from an email I received in my student email. After a week or so the internship contacted me by the name of XXXX XXXX. He said I was going to be his personal assistant and he would be sending me funds to disperse to his promo merchants. I attempted to deposit the 2 checks he sent by email and Wells Fargo instantly declined and froze my account. Resulting in them closing my account. I called and explained the situation and how I had no idea of this scam and clearly am the victim. To my Suprise the very rude support told me " It's a privilege to bank here and you have lost that privilege. He continued to close my account after I begged him to reconsider and the fact i have a kid going without funds could be detrimental to my family and myself. Not only did they close my account, but they made it to where I'm unable to receive My funds in My account until XX/XX/XXXX! All of this is totally unprofessional and inconsiderate of the victims of fraud.

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 2024-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PatientFi, Inc.
State: WI

Complaint narrative:
XXXX XXXX " PatientFi '' continues to call me almost daily and send text messages, emails claiming that we have a debt approximately $ XXXX. Whenever I try to call the number it asks me for my account number and I don't have an account number with them as I do not know how who they are. They then ask me for my social security number. I informed them that I will not provide this information but the debt they are claiming is unfamiliar to me and I have not received any sort of Collection Agency notice if this debt was truly mine and/or overdue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
BACK IN 2018 WAS CONTACTED BY THIS COMPANY TRYING TO COLLECT A DEBT OWED BY XXXX XXXX, IN XXXX, I HAVE NEVER LIVED IN XXXX, AND THAT IS NOT MY NAME, THEY REMOVED IT, AND NOW THEY HAVE SOLD THE DEBT TO A NEW COMPANY ATTEMPTING TO COLLECT. I FILE A POLICE REPORT XXXX XXXX XXXX XXXX CASE # XXXX. 
XXXX FILE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was on XXXX XXXX in the XXXX XXXX XXXX in the late XXXX. In the early XXXX 's, I obtained a credit card from Capital One and due to service-connected XXXX, I could not maintain employment to continue payment. The debt was quickly charged off ( XX/XX/XXXX XXXX XX/XX/XXXX ). 

Many years later, I was able to reestablish credit through them, but faced the same disability-related problem with repaying the debt. That debt was also charged off ( XXXX ). 

In XXXX, I decided to reestablish credit through bankruptcy to protect my assets. I filed a petition with the US Bankruptcy Court XX/XX/XXXX. Capital One was a creditor on this petition. In XXXX of XXXX, I paid the bankruptcy remaining balance off and was properly discharged from those debts. 

I tried to obtain credit again, but was told by one creditor that Capital One had not been satisfied. I immediately contacted all three credit bureaus and they confirmed this information. During the disputed investigation, I learned directly from Capital One that they had placed both accounts ( XXXX, and XXXX ) in bankruptcy to collect. I had been under the assumption that it was only one account, since that what showed up on my petition. The XXXX yr old debt was the one still showing as Derogatory/ Outstanding. Capital One told me that they had " slipped '' the XXXX account in the bankruptcy with the XXXX debt in an attempt to collect. I am now reading to find out that this was illegal, that the statute for debt collection in any form in Tennessee is XXXX yrs. 

Capital One kept asking me for my mailing address, and I refused to supply it, telling them I am not in any debt obligation to them. They stated that they were no longer collecting, but only wanted to " send me letters updating me with the dispute status ''. I gave it to them, trusting them one last time. I contacted XXXX and they informed me that Captial One is showing as still trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: I.C. System, Inc.
State: CA

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$12000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} I.C. SYSTEM, XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00}

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 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I lived with someone for a decade or more and they kept my social security information and other personal information as well.I never had no knowledge this person was using my information. I am trying to dispute all the accounts. Some addresses that are linked to the person and phone numbers that have never belonged to me. I noticed once I filed for taxes and received a free credit report. I was told to file a report in order to continue with the process and if needed to eventually change social security number. Please help 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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was XXXX XXXX military, I begged Navy Federal for settlement, interest rate was high and they tacked on additional fees and I was while I was being XXXX on special assignment they did not work with me navy federal credit union is like dealing with the long shark they had no intentions they put me in debt and now my credit scores are low and Im trying to buy a home and theyre preventing me from doing that I have since become a XXXX XXXX  XXXX veteran and they are still trying to gouge me when answer fees I dont know where to turn to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: PA

Complaint narrative:
unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
I NEVER received any type of communication from this debt collector at all. This is 100 % not my debt and had I been accurately notified of this account I would have been able to enforce my right for this accounts accuracy to be verified prior to this being reported on my credit reports. Even at this very moment I have no information on the debt besides the reporting companies name is Diversified Adjustments Services, I have no account number or anything. I have never had something be reported on my credit without first reaching out to the consumer to verify if the account is accurate or correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: IL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-02-20 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 request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-02-20 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: FL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-20 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: FL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-20 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: IL

Complaint narrative:
Please promptly erase these inquiries, as I lack any information about them, and the company carried them out without seeking my approval.

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 2024-02-20 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: AR

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief