vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-13 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: IN

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 2024-02-13 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: PA

Complaint narrative:
XXXX, XXXX I sent a letter to them with no response. 
XXXX, XXXX sent them an email and received a response indicating they would get back to me within 24-48 hours. Nothing received. 
XXXX, XXXX sent them a letter and received a response in XXXX advising they are working on it. As of this date still have not received the requested information. I have tried to call them but I would full time and can not sit on the phone for 3 hours waiting for someone to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My friend was scammed. A Man who identified himself as a XXXX XXXX contacted her an requested money for an XXXX XXXX needed the money or he would be denied XXXX She contacted me an I XXXX the money XXXX XXXX. I contacted Bank America and I was told XXXX XXXX refused to return the money. Even though it was verified with the XXXX and a police report was filed 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 2024-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My Victoria Secret credit card had a small balance on it and I was unaware of my balance as I was not using the card and I was not receiving any statements at my new address. Then, I was told that the account was closed and a new card was issued to me. My balance which was around {$2.00} is now {$300.00} in the time frame of 5 months. I had updated my new address and telephone number with the company but, this was not done properly and they had my old contact details on file which they were still sending mail to. My due process has been violated and my credit score has been impacted. This is also a violation of the Fair Credit Reporting Act. If I had known that there was a balance, I would have paid it long ago but, I was not informed by the company and my account was going to be sold off to someone else. The credit card number is XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MD

Complaint narrative:
Transunion has Reported a XXXX XXXX on my Credit Report without my acknowledgment, And that is illegal. Code 15 US 1601 states. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: MD

Complaint narrative:
I made a deposit to my savings account at CIT Bank via ACH on XXXX. As of today, XXXX, the funds are still not available. It was a large deposit, some $ XXXX and change. It was my understanding that the should have released some of the funds. They have not. I called the bank and they stated that the hold would stay in place until XXXX well in excess of their own policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: SC

Complaint narrative:
This dispute pertains to the information reported by your agency under the permissible purposes underline in 15 USC 1681B as well as my request for blocking information related to identity theft under 15 USC 1681C2 I recently attained a copy of my credit report from your agency and have identified The following inquiries account name XXXX XXXX XXXX this inaccuracy such as the account itself the balance delete payment, and the account status is false due to identity fraud on the 15 USC 1681B consumer reporting agency must ensure that the information they report is used for permissible purposes only I am disputing the accuracy of this information as it has a significant impact on my credit worthiness. I request a thorough investigation into the accuracy of this information as required by feeding USC 1681B additionally, I also sent in proof of identification and address to update update my account with my personal information. I have hear nothing back from nor credit union..

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 2024-02-14 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: NY

Complaint narrative:
I have unauthorized inquiry On my report And would like to remove If you can not provide such as Signature in Writing from stating that i Authorize these account And inquiry. According to the FCRA any inaccurate item On my credit report that is not XXXX percent verifiable Or accurate must be removed Immediately It is not metro 2 complain Or meet E Oscar Requirement please remove immediately

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 2024-02-13 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I opened two accounts with Fortiva Credit, a conventional credit card and a XXXX XXXX XXXX XXXX in XX/XX/XXXX. This complaint pertains only to the Fortiva XXXX Card. I used the card regularly, paid interest charges for many months and never exceeded the {$500.00} credit limit. My account was always in good standing. In XXXX of XXXX, Fortiva began charging me a XXXX XXXX XXXX fee and also imposed a {$29.00} annual renewal fee. I made several attemps via phone and chat ( dialogue of the transmissions I have copies if needed ) to ask for them to be credited. Initially, they did credit both fees after I asked to close my account. I thought that was the end of it. Instead, they continued charging me a XXXX XXXX XXXX  " service fee ''. In essence, they are charging me $ XXXX. when my balance is XXXX, have made no purchases during the billing cycle. 
This was a change of terms as I understood them originally as I had never paid this fee. Apparently, imbedded in the fine print, although I did not receive a copy upon request of this provision, there is a $ XXXX. service fee AFTER the 1st year. After failing to notice this fee as a result of not using the card/reviewing my statement, I asked for this to be credited via online chat. The agent denied my request. As a result, I permanently closed both accounts accounts ( XXXX XXXX and XXXX XXXX ) without allowing them to convince me to keep it open. I paid for the purchases I made prior to closing the account. However, there are " monthly service fees '' remaining and now a late fee has been imposed. I owe them nothing. I do not want this to affect my credit score as a result of unpaid ( unauthorized ) service fees. This is really corrupt. Reminds me of XXXX XXXX and the payday loan scams.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Mercedes Benz Financial Services continues to call and send me threaten mailings of seizure of my personal vehicle for this alleged debt. The contract that is the note that is being held by Mercedes Benz Financial Services is being used to raise capital. The equity that the note has made belongs to me since this is my financial asset and I have highest claim. Lawfully Mercedes Benz Financial Services should apply any interest to settle the allege balance due and return any over payment or they have engaged in securities fraud and I would like the CFPB to forward this report to the SEC to investigate my claims further. The Federal reserve Act prohibits banks from using anything other than notes, drafts, bill, and other negotiable instruments for repayment of notes. Mercedes Benz Financial Service requiring me to pledge my private vehicle was misleading and fraudulent when they issued me this contract they were banking on me defaulting so they could take the goods and continue to trade on the note they do not have possession of because they have sold it for profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I received an e-mail from XXXX XXXX to a restricted account that was NOT given to them and they are NOT authorized to send alerts to. They need to remove XXXX from their system and do NOT send me e-mails there.

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 2024-02-13 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 strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate 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 2024-02-13 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: NV

Complaint narrative:
XXXX XXXXXXXX XXXX, this account information is not correct. The last payment was XX/XX/2020, but the creditor says XX/XX/2020. It shows a balance of {$1600.00}, but they say it's {$0.00}.

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 2024-02-13 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 am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: UT

Complaint narrative:
I have attempted to contact your department since XXXX via mail, alerting you to the presence of multiple inaccurate and misleading entries on my credit report. However, even after obtaining an updated copy of my credit report today, these erroneous items persist, that's why this time I raised these concerns via CFPB. I am requesting their prompt correction and automatic removal.

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I called in inquiring information on some credit cards, the Rep I was speaking with said it would be a soft pull... so proceeded on with the info but got disconnected. I received a notification that my credit was was pulled, this happened twice at a later date as well.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX, and XXXX continue to report that I owe a debt that I do not. This alleged debt has been paid since day one by the note that is being used. The credit bureaus knows this but are paid by XXXX XXXX to furnish this information. The credit bureaus also sells my information to other businesses this puts me at risk of identity theft and other cyber attacks. Furthermore the credit bureaus are not allowed to furnish anything I have note validated or verified as accurate as this is my consumer report that they are furnishing.

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 2024-02-13 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:
A charge off is a certificate of indebtedness and considered income. I have opted out of any authorizations to share my personal information per 15 USC 6802. See attached.

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 2024-02-13 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: TX

Complaint narrative:
A charge off is a certificate of indebtedness and considered income. I have opted out of any authorizations to share my personal information per 15 USC 6802. See attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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:
A charge off is a certificate of indebtedness and considered income. I have opted out of any authorizations to share my personal information per 15 USC 6802. See attached.

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 2024-02-13 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: RI

Complaint narrative:
To someone who can help me the reason why I'm reaching out to the CFPB is because I've been a victim of identity theft not only did someone take out accounts in my name, but they also added me to other accounts as authorized users that is reported negatively to my credit report. They were able to get credit in my name. I've tried everything to rectify this situation and I can't get help from anyone, not even the credit bureaus I am a single father and these negative accounts that are caused by identity theft are preventing me from providing for my kids, and also buying a home to keep a roof over their heads. Please look into this problem for me. Hold the credit bureaus accountable and have them investigate and remove this item 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 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NY

Complaint narrative:
In response to Selene Finance 's letter dated XX/XX/2024, allegedly Selene has paid all penalties and lase fees as well as XXXX tax payment, but this was not true. 

Selene never paid the XXXX late fee, as of today, the late fee is {$52.00}. 

Selene never paid XXXX property tax of {$2100.00} as stated in its letter dated XX/XX/2024 that the payment was sent on $ XX/XX/2024. Please see attached tax XXXX from XXXX, NJ The letter recommended me to speak with Selene but they always ignored me. I tried to communicate with XXXX XXXX, who was supposed to be the account executive for my loan at XXXX, but my request to speak with him multiple times was never answered. I am frustrated because Selene Finance illegally debited from my escrow account and not remitting the payment to the tax authority and making my loan delinquent and force me into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MD

Complaint narrative:
Experian XXXX And XXXX has put an Auto Account with out my consent. The Company name is XXXX XXXX XXXX XXXX. Account # XXXX. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I May presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.

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