vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: NC

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-11-28 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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased few items from Macys online on XXXX end and XX/XX/XXXX week this year with Macys credit card that is linked with my Macys account. I returned all the items still my balance was shown as complete amount of original purchase with added fees etc even after month. I disputed and it was in my favor, but still i was shown some random amount of more {$180.00} in my account. I called macys customer service department, credit card and dispute department multiple times but didn't get much help. One of the customer service person asked me to pay {$69.00} and they will close the account. But still after paying it remained with pending balance. I have called customer service department and stayed in calls for 2hrs each time and everytime they were removing latest late fee and interest and not giving any explanation for pending amount. 

On Tuesday XX/XX/XXXX, I called macys and got confirmation in email that i don't owe any amount to macy 's and they told it should havXXXX XXXX  balance updated in 3-4days. But now again i am getting reminder emails to pay the balance. Can you please help? It impacted my credit score. They have harassed and tortured me alot. Please help

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: TX

Complaint narrative:
I woke up to a Welcome letter from Chime, which seems to be some credit building card/account. I never signed up for this at all. I was able to request a reset of the password and log into " my '' account which is filled out to be me but with a spelling mistake in my name and a VERY old address. Again, I never signed up for this, I have never looked into a credit building card of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: EQUIFAX, INC.
State: IL

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 non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
NAVY FEDERAL CREDIT UNION, Account XXXX XXXX XXXXXXXX, Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX. Account closed and reported under my name on XXXX XXXX XXXX. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX ), has violated my rights. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
On XX/XX/2023, I send Planet Home lending a Debt Validation letter giving them 30 days to respond. They did not respond and on XX/XX/2023, which is almost 2 months more than plenty time to respond, i send them a notice of fault and opportunity to cure letter. They also didn't respond to such letter instead they assigned/transferred/sold the servicing rights to XXXX XXXX XXXX which now I having to deal with sending a billing debt validation letter too since they send notice saying that during the time Planet Home Lending didn't respond to the letter late fees have been accrued. In addition in the letters it stated the address where to send respondent mail, instead they send notice of transferred to an old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: GA

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-11-28 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: 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In early XX/XX/2023, I submitted to Equifax all information required ( per their website ) along with letter requesting a credit freeze be added to my XXXX child 's account. They sent a letter stating they could not process because they needed additional information ( but letter did not state specifically the additional information needed ). Upon calling customer service, they said that the SS information was illegible. 
I resubmitted ALL of the information again XX/XX/2023. And, this time, printed a clear copy of the SS card. ALL information submitted was clear and fully legible. 
They sent a letter XX/XX/XXXX that they could not process ( again with no specifics as to why ). Called customer service who, after 30 minutes on the phone with them, claim ( 1 ) they do not know why it could not be processed. 
( 2 ) they dont have a copy of the letter sent to me and do not know what the issue is. 
( 3 ) they dont have access to the processing department to determine why the re-submission could not be processed. 
( 4 ) they can not provide me with a phone number or other direct contact to the processing department to assist in determining how to rectify the issue. 

Note : in XXXX, all the same information was provided to XXXX and XXXX... both of those companies quickly and without issue added the security freeze to my XXXX child 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TN

Complaint narrative:
I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: TN

Complaint narrative:
I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a text message from Ally Bank stating that they believed that our checking account was receiving fraudulent charges and they had put a hold on our debit card/checking account. I then looked at the bank account and saw that there were many charges that I did not authorize, in fact there were around XXXX fraudulent charges made from XX/XX/XXXX and XX/XX/XXXX. Ally bank refunded all but XXXX fraudulent charges. The other fraudulent charges they claimed were fraudulent, but XXXX charges they said were not fraudulent. These XXXX charges that they refused to reimburse were made by a 3rd party merchant named " XXXX ''. Ally Bank has a policy that states they do not reimburse for 3rd party merchants. Ally Bank told me to fill out a form listing all charges including the dispute numbers, date, amount and merchant. I filled out the form and sent it in to Ally Bank for them to help with the recovery of the funds. This was on XX/XX/XXXX. They said it could take up to 90 days to get a response. On XX/XX/XXXX I received XXXX letters from Ally Bank in the USPS mail stating that " Our research indicates that the transaction was authorized and is correct. We've attempted to resolve the disputed transaction with the merchant on your behalf, but the merchant has not provided a reversal of the disputed transactions ''. This is not true, I never authorized those XXXX charges on my account. Below I will list the dispute numbers, date it took place and amount. We also have filed a police report with the XXXX, XXXX XXXX police department, and the Federal Trade Commission. 

Dispute number, date, and amount XXXX, XX/XX/XXXX, {$200.00} - XXXX, XX/XX/XXXX, {$24.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$14.00} - XXXX, XX/XX/XXXX, {$52.00} - XXXX, XX/XX/XXXX, {$75.00} - XXXX, XX/XX/XXXX, {$42.00} - XXXX, XX/XX/XXXX, {$1.00} - XXXX, XX/XX/XXXX, {$230.00} - XXXX, XX/XX/XXXX, {$10.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$50.00} - XXXX, XX/XX/XXXX {$50.00} - XXXX, XX/XX/XXXX, {$50.00} - XXXX, XX/XX/XXXX, {$10.00} - all these charges were made by " XXXX '' totaling {$880.00}

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 monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I originally borrowed XXXX for a private career training loan. I have not missed a payment as it has been set up on auto-pay since XXXX when the loan was originally taken out. Navient took over my loan after their split from XXXX XXXX in XXXX. I am getting nothing but the run around from Navient and I was originally told the loan would be paid in full in XX/XX/XXXX. Then when I saw the amount still withdrawing from my bank account, I immediately called to to find out what the problem was. To my surprise, they added several more thousands of dollars to my payoff amount and then said that my loan would not be paid in full until XX/XX/XXXX. I have requested all records from them regarding the original loan amount agreement and terms yet they still have not sent to date. In addition, my new pay off date is now XX/XX/XXXX. I have been paying on this loan since XXXX and has been on autopay. Now they are saying I am behind and owe an extra {$220.00}, but it has been on autopay and looking at my history- they have received a monthly payment every month since original borrowing date of loan. I am unable to claim the amount of interest I have paid on taxes as I was informed that " it's not deductible on a private loan. '' In addition- as a single parent of XXXX small children, I went back to school full time at night for my XXXX XXXXXXXX XXXX while I was still working full time as an XXXX during the day. I called Navient again to see if I could place in deferment since I was back in school at a full time status and they once again informed me that I couldn't defer payments since it was " a private loan. '' I need someone to look into this fraudulent activity as my pay amount continues to increase, now they say i'm late on payments- when it's been on autopay, and I have been paying on this since XXXX and it's XXXX and the loan is still not paid in full when the original borrowing amount was only XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: GA

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-11-28 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:
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My information with Equifax has been breached. I attach the proof and they refuse to delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I So please delete these from my credit report immediately. As I was a victim of this data breach. Thank you.

Company response to consumer: Closed with non-monetary relief