vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX I was notified of an unrecognized transaction on my Ally bank statement. 

Some one had use my card info on XXXX and charged my debit card {$400.00}. It did not happen from my actual XXXX account and I have no idea who got access to my card or how it even happened. 

Once I realized this happened I contacted my bank directly explaining the issue. I was told to file a dispute and that it would take 10 days to hear back. Yesterday I got the letter from my bank stating since it was a third party transaction I needed to reach out to XXXX regarding the situation. But when contacting XXXX, they told me to contact my bank. 

So no one seems to be held liable to this fraudulent charge meanwhile I am out {$400.00} and had to get an entire new bank card while this scammer gets to roam free with MY money. I don't understand how neither the bank nor XXXX is liable to protect me or my funds.

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 2023-11-08 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: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding 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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
INACCURATE! 
NOT DUPLICATE SUMBISSION NEW CLAIM

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, i had a Citi Bank checking account and Credit card from costco. I went to local XXXX branch to send wire about {$5500.00} To XXXX for a Apartment of mine, and the bank closed my account syspecting me of terrorist financing. First day closed my checking account then they closed my credit card from Costco. Also i just read that Citi targeted XXXX-Americans as " bad guys '' according to the article here https : XXXX? XXXX & XXXX It all makes sense now why they would portray my wire to XXXX XXXX as XXXX funding. 
Attached is the wire information and the date that it happened. Please follow up.

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 2023-11-08 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: 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.

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 2023-11-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
Lexington Law, I saw that there is a lawsuit against them for taking money from clients before any results were produced. They had me paying a monthly payments. When I called to get the information, the lady that answered said that she could not give me all that I was looking for. Here are some dates and I do believe that this is wrong. I paid them for years. There was XXXX, XXXX, XXXX and XXXX. She sent me 2 encrypted emails. Both emails did not contain what was asked. They were creditors. For years I was told that there would not be any change to my credit for a long time. So I continued to pay, hoping that they would say that my credit was getting better to buy a house. Know that I tried to call all the numbers that I have been given, they will not connect you to a live operator. It hangs up without giving you an option to connect.. Please help, I have paid these people so much money only to be told that my credit was at a standstill. Here are a few of the addresses that may be on my account current address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I lived on XXXX XXXX as well, all in XXXX, La XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My identity was stolen and accounts were fraudulently opened

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 2023-11-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: DC

Complaint narrative:
On numerous dates in XXXX and XXXX I tried to identify the forgiveness and repayment options available to me. When I called in, they were deceptive and misrepresented my options for forgiveness, my XXXX eligibility, and covid payment refund deadlines. 

Because of their behavior, I did not receive a refund for payments I made during the payment pause because I was not aware that I was eligible for XXXX, and would thereby benefit from a reimbursement, and was not aware of a deadline to request but only a timespan of eligible payments to be requested. 

Furthermore, in XXXX they transitioned to a new platform without migrating my payment history, making it difficult for me to see my history of payments and clarify what payments were eligible for refund. I requested this information online but did not receive it until I repeatedly called in XXXX XXXX 

I made several payments during the COVID payment pause, amounting to over {$51000.00}. With {$42000.00} of payments of this being paid between XXXX XXXX XXXX XXXX XXXX XXXX I would not have made these payments or delayed my request for refund if they had not misled me over the phone and online regarding my XXXX eligibility and deadline for requesting a refund. 

Ed Financial told me that I could request a refund for payment during the pause, thanks to the CARES act, as long as the payment was made during the pause, and that no deadline was currently set or advised by Department of Ed. No deadline was ever communicated to me. 

Throughout XXXX, XXXX, and XX/XX/XXXX, I attempted to make the request for refund several times using their online form, chat tool, and by phone. Several times the phone calls hung up on me, had extremely long wait times, and the few times I was able to get someone on the phone knowledge was limited. 

Despite many attempts to formally submit requests using their online form tool / email tool did not record my messages, send me any sort of confirmation message, and never responded to me in any way shape or form. The few times I was able to get someone on the phone, they said I could not request a refund or that it was too late. 

Information regarding refunds available on Ed Financials site was non-existent or misleading, while StudentAid.gov only listed the dates of payments that were eligible to be refunded, not a deadline to request the refund. The CARES Act also does not list a deadline to request the refund. I should have had a fair window of time to make my refund request beyond the final date of my payments. The largest payments I made were less than 60 days ago. There is no reason I should not be able to receive a refund that I'm entitled to by law. 

These are the dates and payments I want refunded : Date Payment Amount XX/XX/XXXX {$4500.00} XX/XX/XXXX {$980.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$30000.00} XXXX  {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-08 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: NC

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant XXXX XXXX XXXX distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-11-08 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: LA

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I do not owe money to this specific company... I have never conducted any type of business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NC

Complaint narrative:
I recently received a copy of my Experian, XXXX, or XXXX credit report, and I noticed a negative account reporting on my consumer report. I have been contacting Experian, XXXX, or XXXX to remove this account ( see attached ) I have not given any company, credit agency permission to report this account onto my consumer report. THIS IS ILLEGAL! I did not authorize anyone to report this account on my credit report. This is Aggravated identity theft per 18 U.S. Code 1028A! I am asking this closed account to be removed from my consumer report and credit report! This is going against the law per 18 U.S. Code 1028A - Aggravated identity theft.

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 2023-11-08 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: CA

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-11-08 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-11-08 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: CA

Complaint narrative:
I submitted a dispute because this account is not mine. Equifax says they " verified '' the account but obviously, they have not. They are intentionally allowing inaccurate information on my credit profile against FCRA. The account is XXXX XXXX XXXX, my report dated XX/XX/XXXX Confirmation # : XXXX states that this account was opened on XX/XX/XXXX but has the date of first delinquency ( DOFD ) as XX/XX/XXXX. How can there be a payment delinquency ( DOFD ) BEFORE the DATE OF OPENING? This is irresponsible reporting by Equifax and they are violating FCRA by reporting inaccurate data on my report causing distress to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-11-08 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: NC

Complaint narrative:
I recently received a copy of my XXXX, XXXX, or TransUnion credit report, and I noticed a negative account reporting on my consumer report. I have been contacting XXXX, XXXX, or TransUnion to remove this account ( see attached ) I have not given any company, credit agency permission to report this account onto my consumer report. THIS IS ILLEGAL! I did not authorize anyone to report this account on my credit report. This is Aggravated identity theft per 18 U.S. Code 1028A! I am asking this closed account to be removed from my consumer report and credit report! This is going against the law per 18 U.S. Code 1028A - Aggravated identity theft.

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 2023-11-08 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: NC

Complaint narrative:
I recently received a copy of my XXXX, Equifax, or XXXX credit report, and I noticed a negative account reporting on my consumer report. I have been contacting XXXX, Equifax, or XXXX to remove this account ( see attached ) I have not given any company, credit agency permission to report this account onto my consumer report. THIS IS ILLEGAL! I did not authorize anyone to report this account on my credit report. This is Aggravated identity theft per 18 U.S. Code 1028A! I am asking this closed account to be removed from my consumer report and credit report! This is going against the law per 18 U.S. Code 1028A - Aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP
State: CA

Complaint narrative:
regarding US BANK, In early XXXX, I reached out to loan servicer to assist with payment assistance and was provided with options on-line. I agreed to payment arrangement but the servicer still is reporting credit bureaus and was not mentioned in the online proposal. I later received documentation that supposedly indicate, my credit would still be hit. The paper work was only sent on XX/XX/XXXX and not recieved until after XX/XX/XXXX which automatically hit my 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 2023-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Seattle Service Bureau, Inc
State: TN

Complaint narrative:
Since XX/XX/2023 I have received a number of calls from XXXX XXXX at National Service Bureau. He has threatened license suspension, despite the agreement and conditional release that he and I have agreed upon and that has been sent to his office and the State of Tennessee DMV. He has been extremely uncooperative and abusive. I have made the initial payment, as requested and he is trying to throw every trick in the book to ensure that my license is revoked DESPITE the fact that the agreement is signed and notarized. He has been rude and unruly and has made an excessive amount of calls to my phone disrupting my work hours even though he has been advised of my work schedule. I just want to pay my debt as we agreed without be harrassed and abused.

Company response to consumer: Closed with explanation