vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION
State: LA

Complaint narrative:
Alliant Federal   Credit Union is charging me for forced placed insurance on a vehicle that has excellent coverage. I had XXXX XXXX and I switched to XXXX XXXX. Alliant sent me a notice in the mail to verify coverage online with a third party. Ultimately, Alliant is responsible to the government and to the consumer if their third party vendors do not handle issues for customers in a timely fashion. Alliant ONLY allows verification of insurance through a third party. I have uploaded information and called multiple times. I can not get through to the insurance department which is not even at Alliant to verify my information. I have called Alliant, with whom I have my loan to provide this information, however, they refuse to accept it. They have thus increased my monthly installment, which will have negative effects on me as a consumer : increased monthly payment, more interest for Alliant, and negative credit reporting because I am not paying them for something that I have. This is a DECEPTIVE PRACTICE! Insurance XXXX Customer supervisor took information and did NOT assist. I would like for Alliant to be sanctioned! Alliant passes the buck to the third party, however, I can't make my monthly payments to a thirdparty etc.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2024-02-14 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: TX

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 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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My credit card ( TD Bank ) last 4 digits XXXX was cancelled over two years ago. A recurring charge ( XXXX membership ) was still being added annually. I spoke to the vendor and they apologized and refunded in cash the amount due. regardless for two years I have accumulated late fees and penalties on a cancelled card. I offered to pay back the original fee, which was refunded to me by the vendor. This past XXXX XXXX I was told by customer service a hard copy invoice would be sent to me explaining the terms of payment and monies to be refunded. Also I was given an apology due to the fact that a cancelled card still had new charges against it. Now I am told that it was a mistake for the service rep to offer that, since TD bank does not do that. 

I am more than willing to pay back the original charge ( {$60.00} ). But not any late fees or penalties. I did what was required from me. The vendor apologized for the recurring fee after the cancellation of my membership. That is why they refunded my annual membership fee. I am more than willing to pass it on to TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have repeatedly overdrawn my account with Fulton Bank NA and paid the overdraft fees when my next paycheck would get direct deposited. I never receive live paychecks and have direct deposit. When i confronted the bank around XXXX of XXXX  they initially refunded an amount of {$5000.00} in overdraft fees as a ( 1 time payment ). I then asked that they no longer honor overdraft and return payments that exceeded the available funds. I was informed over the phone that this was completed. The next time the account was low on funds the bank allowed overdraft and charged me an overdraft fee. I then had to go to a branch, speak with a manager and was at that point told that they couldn't 've done the account change over the phone. I then applied for overdraft protection and was denied. Even though I have direct deposit and the overdraft protection would be paid weekly, which can be verified by my and my wife weekly direct deposits. I understand that my credit score is used to determine eligibility, along other information. My proven history of direct deposits weekly for roughly 20 years would have been taken in to account but wasn't. I feel as though Fulton Bank does not want to help their members only use them to extract more money from them and are predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a {$1000.00} prepaid American Express card from my employer as a reward. Within 30 mins from activating the card online, I was charged a purchase of XXXX from a merchant in California that I have never even heard about. I contacted the customer care and I have not received any answer so far. I am very disappointed by the customer experience because I called immediately when the transaction was pending to make them aware of the scam, but days have passed and now the transaction has posted so I have XXXX as balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to remove XXXX recognized inquiries from my accounXXXX XXXX XXXXXX/XX/XXXX transuion. XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX I dont reconocieron this inquires

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX # XXXX 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 of 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 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am appealing for assistance after the death of my son and his vehicle repossession. We are stuck in limbo while waiting for documentation from probate. our probate date is XX/XX/2024. While we are legal representative and legal heirs Chase auto finance has repossessed the vehicle ( XXXX XXXX ). Our frustration is there no protection to hold sale of the vehicle for a few weeks while we get the documentation? I had been in communication with them since our son passed without a will ( XXXX, XXXX and XXXX ). We are really at a loss how to proceed. We have notified of our intent to pay in full once we know amount and procedure. We demand contents of the vehicle to be preserved until we have proper paperwork. Do we have any legal rights during this process? Please assist in anyway to hold vehicle from being sold until we get proper paperwork ( this is likely only XXXX weeks away ). This is compounding our grief to lose the contents of his vehicle ( which are items we had just removed from his living space ). it is a heartbreaking scenario where it seems the law is on the side of Chase Auto Finance. I am not sure what documents would beneficial. Please advise. We have not yet received letter of notification of sale ( which should be address to our son ). We have provided written documentation to Chase indicating intent to pay, payment made, notification of probate date, and request to hold vehicle and possessions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Hello, I have been a square up account holder for years. I recently changed my account to accept money for massage services as I am a licensed massage therapist. 

After a few clients, and account verification square sends me an email stating suspicious activity. They took their money and told me the funds will be held for two months and the account closed. 

I contacted square to find out why and was told that they have the right to close the account for any reason. 

This is unprofessional and embarrassing. I was given no explanation and feel its unacceptable to say theres suspicious activity and not say what is suspicious.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX charged my account off. I have not received a 1099-C from the company as this is now written off by XXXX and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company XXXX as well as the three major credit bureaus. Transunion, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: MOHELA
State: IL

Complaint narrative:
I submitted a borrower defense case related to XXXX XXXX  on XX/XX/XXXX, received approval from the Department of Education on XX/XX/XXXX, received a letter denying my case from my loan servicer Mohela on XX/XX/XXXX, learned about the XXXX  XXXX XXXX lawsuit shortly after, and then received another approval from the Department of Education on XX/XX/XXXX informing me of the settlement and stating that I was in the automatic relief group and should receive full relief by XX/XX/XXXX. While my loan balances have gone done and this change was reported to the credit bureaus, I still have not received a refund, or really any information about what amount of refund I am owed or any information regarding this process at all. I have called the borrower defense hotline as well as my service many times over the course of the last several months, and I can get no information from either- they mostly just tell me to contact the other. I have received a few emails since XX/XX/XXXX that say I will receive more information in 14, 15 or 30 days, yet no additional information has ever been provided. I tried to contact the XXXX XXXX  XXXX XXXX lending who is somehow involved with the XXXXXXXX XXXX XXXX case but have received no reply from them. I emailed my senator, XXXX XXXX, a few weeks ago and have also received no reply. I am desperate for any assistance in getting information about what is going on with this since the deadline has passed with no communication from anyone. Any assistance you can provide would be greatly appreciated. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: MA

Complaint narrative:
I have hard inquiries, I havent authorized and I need them remove.

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 2024-02-14 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: DE

Complaint narrative:
Greetings, My name is XXXX XXXX XXXX IS NOT A REGULAR DISPUTE, I am a victim of identity theft and did not open these accounts. More specifically, my social security number was compromised and used to open these fraudulent accounts. These accounts are now being furnished onto my credit report without permissible purpose, consent, or my knowledge FOR THE THIRD TIME. 15 USC 1681c-2- ( a ) which states, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ''. I appreciate your due diligence and assistance in remedying this situation in advance. Please NOTE : This account was previously reported as identity theft and blocked from my credit report. No other credit reporting agency is reporting this fraudulent information this is inaccurate and is in direct violation OF MY CONSUMER RIGHTS! This time, I am fully prepared to move forward with litigation, FOR WILLFUL NON-COMPLIANCE. The next letter will be a request for payment of invoice. I DID NOT GIVE PERMISSIBLE PURPOSE FOR THIS NEGATIVE FRAUDULENT INFORMATION TO BE FURNISHED TO MY CREDIT REPORT!! Block the reporting of the following fraudulent accounts within 4 days, as outlined in the Fair Credit Reporting Act to avoid immediate litigation. 
XXXX ( Original Creditor:XXXX XXXX  ) Account Number : XXXX Opened : XX/XX/XXXX Balance : {$420.00} I did not open or authorize the opening of the following account. BLOCK immediately from my credit report. 

This fraudulent account has brought me undue hardships. I have also notified the Federal Trade Commission and the CFPB of this identity theft. I have provided the CFPB report as well as my identity theft affidavit with this letter that will be sent via certified mail for tracking purposes. Understand I am completely prepared to move forward with litigation as this account continues to reappear FRAUDULENTLY on my credit report under different debt collectors. The Fair Debt Collection Practices Act also outlines in full your duty in these instances. Please note I DO NOT WISH to have any SECURITY FREEZES added to my credit report. However, I am aware of my right to do so. I appreciate your due- diligence in rectifying this matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX SSN : XXXX Date Of Birth : XX/XX/XXXX Enclosed with this letter : FTC Affidavit CFPB Complaint Identification Social Security Card Utility Bill Please note, I stated, I DO NOT WISH TO PLACE ANY FRAUD ALERTS 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 non-monetary relief
Consumer complaint received 2024-02-14 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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/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 non-monetary relief
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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
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: IL

Complaint narrative:
To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.

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