vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a bill in the mail for around {$2000.00} for a Pay Pal credit card. I assumed it was fraud because I do not have a Pay Pal credit card and have never applied for a Pay Pal credit card or used one. I ignored it then got another bill saying that I had a late payment on this account. I checked my credit report and sure enough there was a maxed out Pay Pal credit card, showing late payments and bringing my credit score from XXXX to XXXX. I need this resolved as soon as possible as I can not have my credit score this low. I have reported this to Pay Pal and disputed it with all 3 major bureaus.

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 2024-11-12 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : -- Late/Closed XXXX XXXX XXXX XXXXXXXX Balance : -- Late/Closed

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: NV

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX XXXX mail, requesting an investigation into multiple items on my credit report that I believe are inaccurate, along with a bankruptcy record that is reported with discrepancies and incomplete information. In compliance with TransUnions requirements, I included all necessary documents to verify my identity, such as a recent copy of my proof of address, my government-issued ID, and my Social Security card . 
Despite providing these documents, TransUnion refused to conduct the investigation as required under the Fair Credit Reporting Act ( FCRA ). Instead, on XX/XX/year>, I received a response from TransUnion stating : We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. 
According to the FCRA, if a consumer disputes the completeness or accuracy of any information in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to verify or correct the disputed information. Despite my compliance with all identification requirements, TransUnions refusal to conduct the investigation represents a violation of my consumer rights under the FCRA.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-11-12 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was a member with navy federal for some years most definitely from XXXX. I was charged overdraft fees in the sum of around {$25000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: AL

Complaint narrative:
This is a follow-up complaint continued from the original complaint ID XXXX. 

Unfortunately, I find this case should be re-opened. I received the company 's response ( XX/XX/XXXX ) and confirmed that they issued the correct amount of mileage in the statement ( XX/XX/XXXX ). For many years, the mileage included in the statement was transferred to the XXXX program within 1-2 business days. However, this time, it has not been done until today ( XX/XX/XXXX ). Because this was out of the usual processing period, I called US Bank and talked to the rep. The rep also stated that it should have been transferred to the XXXX account last week and put me on hold to speak to the supervisor. After 15 minutes on hold, listening to the background music, the rep returned and said that her supervisor needed more time with the research and asked for another holding. I waited for another 10-15 minutes. Then, suddenly, the background music changed. I thought it was strange, but I kept waiting. Finally, someone came back. But, she was not the same rep, but another rep. This new rep asked me why I called. What?!?!??! So, while on hold, my call was transferred to another person in another department. This new person had no idea why I was waiting on the phone and asked me my previous concern. I did not think it was fair to repeat the whole thing again after spending 30 minutes, so I told her that I would continue this with CFPB.

I've had previous experiences with some reps saying I would be transferred to someone else in another department or I would get a return call later time. But, something I had today was a new experience. They should have been honest if they couldn't find the solution and get my phone number or email information so they could contact me later instead of transferring a customer without notification. 

Basically, this issue still needs to be resolved. The bank pretended to fulfill its responsibility of issuing the promised mileage. However, it failed to transfer the mileage to the linked mileage program properly. Furthermore, it shook off the customer who inquired about this matter by silently transferring the call to another random rep to repeat the never-ending cycle. Typical.

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 2024-11-12 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: NM

Complaint narrative:
There {$90.00} and charged 200 % rate. Which is alot more then expected. They stated they can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: PA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2024-11-12 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: MS

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-11-12 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
Being charged overdraft fees on debit-card purchases and ATM withdrawals when consumers accounts had insufficient funds at the time the transactions settled even though I had sufficient funds when they made the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was charged {$86.00} on XX/XX/year> by XXXX ( aka XXXX XXXX of XXXX XXXX ). I did not make this purchase. I have disputed the charge in writing, as per their policy, with Capital One XXXX, but have not heard back from them at this admittedly early stage. I paid the sum in full to avoid the annoyance of predictable fees and interest added automatically to the forthcoming statements as Capital One 'investigates '. Appallingly, XXXX not only charged me for a service I declined to re-up, but they charged the full, inflated sum of {$86.00}, not the low incentive offer of approximately {$19.00} or less. I have many emails from XXXX confirming my cancellation of the service. In addition, XXXX took several days to 'process ' the online cancellation, thereby adding to consumer annoyance and frustration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : 1. XXXX XXXX XXXX Date Opened : XXXX : - Late/Closed XXXX. XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} - Charge off XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
I am disputing a collection item listed on my credit report from XX/XX/XXXX, reported by Aldous and Associates, with XXXX XXXX XXXX as the original creditor, for a sum of {$XXXX}. 

As an international student planning to come to the United States, I signed a lease agreement with XXXX XXXX XXXX in good faith. However, due to XXXX border closures in XXXX, I was unable to enter the United States XXXX XXXX occupancy of the apartment as planned. 

I promptly informed XXXX XXXX XXXX of my inability to relocate due to these government-imposed travel restrictions, yet they held me responsible for the lease and are now claiming I owe {$XXXX}, despite the fact that I never physically occupied the apartment due to circumstances entirely beyond my control. 

When I resumed my studies in XXXX, I signed a new lease with XXXX XXXX XXXX, at which point the sum of {$XXXX} was showing on my account. I contacted management, and they agreed to remove this charge from my account since I was renewing the lease with them for the following year. However, unbeknownst to me, the debt had already been reported to my credit report as of XX/XX/XXXX, which I only discovered in XX/XX/XXXX. 

I have since disputed this inaccurate collection with all three major credit bureausXXXX XXXX, and XXXX my disputes were verified as accurate, and the collection remains on my credit report. This entry is damaging my XXXX XXXX and hindering my ability to secure housing and other financial resources as a student. 

I am requesting that Aldous and Associates remove this collection item from my credit report, as it is unfair and does not accurately reflect the circumstances. This debt should not have been reported, given that I could not fulfill the lease due to XXXX border closures, and XXXX XXXX XXXX XXXX XXXX agreed to remove the debt from my account. I have attached my correspondence with XXXX on this issue. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation