vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Regarding the transaction from the Merchant : XXXX XXXX XXXX XXXX the Amount : {$1500.00}, I attest that neither I nor anyone authorized by me has signed for or received the package. I have searched in and around my house for the item. I still to this day have not retrieved the package. I have contacted roommates and neighbors near my home. They also said they had not received the specific item. I have communicated with the merchant through email/webchat for 2 days : XX/XX/year> and XX/XX/year>. I have communicated with a customer service agent from XXXX XXXX in regards to not receiving the item. They said they delivered the item, but have not provided photo proof of the delivery. I have documentation of the communication between me and the merchant regarding potentially receiving the refund for the missing merchandise. The merchant has not provided the refund. I disputed the transaction above because I did not receive the item. The item was supposed to be used as a XXXX Gift for a relative. Because of this situation, I didnt have the item to give as a XXXX gift. I filed a dispute with citibank for '' item not received ''. Unfortunately, citibank did not side in my favor and debited me for the transaction of {$1500.00}. I would like to continue this dispute. I would like for the Consumer Financial Protection Bureau to help me in my situation with citibank. I hope that Citibank maintains assistance in my situation by re-crediting me for the misdelivered merchandise from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
Im fairly new to credit discipline while obtaining and weighing options. This event was less than XXXX ago. Date being XXXX I was entertained as to this being a soft pull not to actually apply but to my knowledge it was immediately a hard pull upon a click. I applied for an auto loan with XXXX, believing i was eligible for pre-approval based on their promotional communication. XXXX email implied i could explore loan options and adjust terms without a significant impact on my credit report. However, my application was denied, and a har inquiry was placed on my credit report. I later received an email from LightStream suggesting that I could apply for a lower loan amount, but as the hard inquiry for my initial application has already impacted my credit score, outweighing the importance of the proposed option. I feel misled about the process, as I did not intend to proceed in a manner that would lead to a hard inquiry without clearer terms. I am seeking the XXXX XXXX assistance in addressing this matter, ensuring fair practices and removing this unnecessary hard inquiry from my credit report. 

My second complaint was XXXX XXXX XXXX I have filed every way i could with the credit bureaus online etc etc. This information seems to hunt me and even on a closed paidoff account they are still reporting late payments and its been charged off and paid in full since XXXX Ive sent in the XXXX to show that I have access to evidence of an account being paid in Full. This account is negatively affecting account and credit score it was recently updated with an online dispute trying to correct it and imediately XXXX late payments and thats insane.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
Lexington Law Firm promised to fix my credit on several occasions and after several months of attempts and wasted money, I did not see any results

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TX

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 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 2024-12-28 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:
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 2024-12-28 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: MOHELA
State: CA

Complaint narrative:
Mohela has been adding interest to my federal student loans since XX/XX/year> when 0 % forbearance started for the SAVE plan due to litigation. Mohela also did not honor interest subsidy on the SAVE plan prior to the forbearance and added money to my balance that should have been forgiven when SAVE plan was viable. 

They are illegally adding interest to my loan despite federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
I asbehalf and it took to long to get a answerked the law firm to entervien on my

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 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: NH

Complaint narrative:
I have included the information provided by the loan servicer that is trying to get me to pay my student loans from XXXX  all over again. They did not submit my payment history for which the federal website proves I paid faithfully from XXXX. XXXX serviced my loans and failed to record payments apparently. I have provided the only info that I could find after all this time to prove I paid. I want them off my credit report without having to incur the cost of taking them to court.

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 2024-12-28 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: NH

Complaint narrative:
I have included the information provided by the loan servicer that is trying to get me to pay my student loans from XXXX  all over again. They did not submit my payment history for which the federal website proves I paid faithfully from XXXX. XXXX serviced my loans and failed to record payments apparently. I have provided the only info that I could find after all this time to prove I paid. I want them off my credit report without having to incur the cost of taking them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: VA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and my personal information has been compromised. As a result, fraudulent accounts have been opened in my name. I am requesting that all accounts listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The following account was opened fraudulently and should be removed immediately : XXXXXXXX XXXX Account Number : XXXX ( partially redacted for security purposes ) Date Opened : XX/XX/year> Amount : {$1900.00}

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 non-monetary relief
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
I am writing to formally file a complaint against Equifax regarding their failure to investigate disputes in compliance with the Fair Credit Reporting Act ( FCRA ). Despite disputing several inaccurate items on my credit report on three separate occasions, Equifax has failed to adequately address my concerns.

Specifically, Equifax : Did not provide documentation showing how the disputed items were verified or updated.

Did not include the legally required " notice of dispute '' on the accounts in question, which is a direct violation of the FCRA.

I have attached supporting evidence for your review, including copies of my dispute letters and Equifaxs responses ( or lack thereof ).

This lack of compliance has caused me significant distress and has negatively impacted my financial well-being. A fair solution will be to remove the accounts immediately. I request that the CFPB investigate Equifaxs handling of my disputes and take the appropriate action to ensure compliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: AR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: AR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
The original creditor is not XXXX XXXX it is XXXX XXXX XXXX. 

Also, the open date ( XX/XX/XXXX ) that is being reported is not correct as my last payment to XXXX was XX/XX/XXXX before I voluntarily repossessed my car in XXXX of XXXX. XXXX sold the debt the same year after my car was sold to XXXX  on XX/XX/XXXX. 

Also, The open account date changed ( restarted ) after I sent a debt validation request early XX/XX/XXXX. In that debt validation request was a list of other information I requested that was never provided. I was sent just the bottom part of a contract with my signature and not the complete contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: Experian Information Solutions Inc.
State: TX

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 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 2024-12-28 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
someone has been using my identity to open fruadulant credit accounts using my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: PNC Bank N.A.
State: AZ

Complaint narrative:
someone has been using my identity to open fruadulant credit accounts using my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I previously had a credit card with XXXX. XXXX terminated their service and I was given a Citizens Bank card from XXXX. 

I have been attempting to use this card for purchases but it has not worked. 

After three failed online attempts, I attempted to go into a store to use the card. It was declined. I called the number on the back of the card and gave them information. I requested that I be contacted in the event of fraud suspicion, and the company agreed. I was told at XXXX ET that the block would be removed and i would be able to use the card as normal. 

I attempted a purchase at XXXX ET. No luck. 

I called Citizens Bank back. They told me the block would only be removed if I woud come into the bank in person. When I replied that this was unacceptable and asked to cancel my account. They said I would have to come in person or send a fax with my photo ID. There are no citizens banks anywhere near me. And As I live in the year 2024, I do not have easy access to a fax machine. I was forced to use this bank and it is refusing to let me terminate their services. 

The customer service I got from this company consisted of lies and material misrepresentations. Nearly two decades of regular use and not a single missed payment was met with this. 

Please reach out if you have questions. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-12-28 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: GA

Complaint narrative:
Im having problems of applying for my unlimited access of credit because my credit report is used improperly and inaccurate and my information is being shared with my consent

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