vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to learn that I have been a victim of identity theft. I found numerous reports that were not open by me this has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

Thanks in advance

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 2024-03-25 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: PA

Complaint narrative:
I am a victim of identity theft, there is some information on my consumer reports that I did not consent to.

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 2024-03-25 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: PA

Complaint narrative:
I am a victim of identity theft, there is some information on my consumer reports that I did not consent to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
A loan was put on my credit report thats not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not request for any fraud alerts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: OK

Complaint narrative:
These inquiries are unauthorized on my credit reports. I need these removed asap. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America took XXXX payments of {$6700.00} on XX/XX/2024. This is {$6700.00} more than I owed and they will not return my money. They have told me XXXX times that they have mailed a check and even told me they sent it certified. The other lies were they needed my acct info. And would direct deposit it and XXXX  times I have given them my info and that has not happened. Wondering what I need to do to get my money back. My bills are going unpaid and accruing interest. They certainly need to hire people that have an 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 monetary relief
Consumer complaint received 2024-03-25 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: GA

Complaint narrative:
XXXX XXXX is selling deceptive information to Transunion and XXXX in which they are publishing it on my consumer report. This allege debt has not been validated as belonging to me and I have received no notice of my right to dispute this debt before it was placed on my consumer report. I would like the evidence that has been used to validate this debt as belonging to me.

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 2024-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I asked XXXX follow up question to their response, but they sent me a general answer that does not clarify any of my question. I need them to please clarify the following : XXXX - They noted that I am on the exceptional discretionary forbearance through XX/XX/year> because I requested the XXXX XXXX against Repayment Discharge. And, If I want to benefit for the interest subsidy for the XXXX Plan, the account would need to be in the repayment status and that I have the option to request the forbearance be removed but the request must be in writing. What they did not clarify is whether I can go back on the " exceptional discretionary forbearance through XX/XX/year> '' if I change my mind after going into repayment. And if so, will something in writing suffice again. I want to make sure that I would not have to resubmit my application for XXXX XXXX. I need confirmation. 

XXXX - Is it possible for my loan to go into repayment any time before XXXX/XXXX if for some reason the XXXX XXXX against XXXX XXXX is addressed before that and they determine that my loan is not fully discharged? I need confirmation. 

XXXX - I need confirmation on how many newly eligible months payments have been made on my account? I want to calculate how many remaining months of payments I need to make before discharge if for some reason the XXXX XXXX either does not forgive in full or in part. I need this answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am writing to address a critical issue regarding my recent GM Business Card application for XXXX XXXX XXXX XXXX, with principal owner XXXX XXXX. Regrettably, I must express my dissatisfaction with the handling of my application by your underwriting team, resulting in its denial on grounds of inability to verify identification information. It is imperative to clarify that I diligently submitted all requisite verification documents to your team, ensuring clarity and legibility for review. Thus, I find it incredulous that my application has been denied on these grounds. 

In response to your team 's suggested resolution, I wish to emphasize that there are no discrepancies within my online credit reporting agencies, including both personal and business information. As reiterated to your customer service representatives, I maintain meticulous oversight of my consumer credit reports, and there are no locks impeding Goldman Sachs from accessing necessary information for verification purposes. 

In light of the foregoing, I urgently request that a senior executive within your organization undertake a thorough review of my initial application and provide transparent clarification regarding the purported verification issues. Should there be any legitimate impediments in verifying my information, I implore you to elucidate them explicitly.

Given the clarity and comprehensibility of the information provided to your underwriting teams, I am confounded by the denial of my application. I emphasize that this correspondence represents my first attempt to resolve this matter, which has arisen due to the mishandling by your internal underwriting teams. Prompt attention to this matter is imperative, and I anticipate a swift resolution that aligns with the standards of professionalism and efficiency expected from a reputable institution such as Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to report an incident of unauthorized transaction and subsequent dispute with Chime Bank, and I seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter. 

On XXXX  XXXX, I received my Social Security check into my Chime account. However, immediately after the deposit, the entire amount was taken from my account without my authorization. Upon discovering this unauthorized transaction, I promptly contacted Chime Bank to stop the transaction. Unfortunately, I was informed that they could not intervene until the transaction was processed, after which they could open a dispute on my behalf. 

After waiting for 48 hours and observing that the transaction had indeed gone through, I contacted Chime Bank again to open a dispute. Despite my efforts, Chime Bank declined my dispute after five days, citing a purported lack of proper investigation.

I strongly believe that my case warrants a thorough investigation and resolution. The unauthorized transaction has caused significant financial hardship for me, and I request the CFPB 's intervention to help recover my funds. 

Below are the details of the dispute : XXXX XXXX Claim ID : XXXX - Dispute Type : Debit - Unauthorized Transaction - Date Error Reported : XXXX - Claim Amount : {$1900.00} I kindly urge the CFPB to take swift action on my behalf to rectify this situation and ensure that justice is served. Please do not hesitate to contact me if further information is required. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have 10 student loan accounts that are all reporting as as COLLECTION from XX/XX/XXXX to XX/XX/XXXX according to my credit report. 

This is inaccurate reporting of my payment status, as I've deferred these payments. This should be reporting as " CURRENT '', it is severely hurting my score.

I have tried to rectify with the credit bureaus and my loan provider with no resolution. I want these accounts investigated and corrected with the correct payment status.

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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Back in XX/XX/XXXX I opened a TD Bank Beyond Checking Account online under the terms provided to receive a {$300.00} sign on bonus. I met all the conditions ( hold a opening balance of {$2500.00} for 60 or 90 days and maybe receive certain direct deposits, can't remember specifics ) and even waited additional few weeks beyond the conditions but still never received it. 

Eventually I went in store to my local branch to follow up and they acknowledged I met all the conditions but claimed that my account never actually signed up for the bonus during account creation and there was nothing that they could do for me. However, I have and provided screenshots of proof of registering online for the account and the url shows there was a promotional " coupon '' for the specific product applied to my account creation. I transferred my remaining balances including the initial {$2500.00} on XX/XX/XXXX out of frustration and subsequently closed my TD accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: DC

Complaint narrative:
Cfpb complaint inaccurate information In pursuant to 15 U.S.Code 1681 this is a violation of my consumer privacy rights. I am listing the account 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 has hurt my ability to obtain credit. This company is reporting inaccurate opening dates, inaccurate reporting dates and inaccurate credit limits. 

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: NV

Complaint narrative:
I had an account with the Self XXXX XXXX credit card and to my knowledge the account was closed until I noticed that its been hitting my credit and Ive been accruing late fees never received any type of notice I called them and they said they can only reverse three fees and the remaining balance I had to pay upfront but no other options

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: UT

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
After speaking with another representative, I was told that I must provide a letter of indemnity that could potentially relieve Navy Federal Credit Union of any culpability of illegally depositing ACH funds into an account where my name is no longer associated with the account. The Indemnity letter could potentially be used as a way to dismiss their actions should this " first step '' of submitting the letter not resolve the problem of returning my federally issued funds. I have been told that there is a policy which allows banks and credit unions to deposit without confirming the name on the ACH check/deposit. They could not provide the internal policy from which they were reading. The representative actually told me that he has no reason to lie to me. Which is shocking since he is working on behalf of a financial institution, that does not want to be held responsible for an egregious mistake. They have not been able to locate this information on disclosure statements to the public, and their internal memo and have claimed this is a federal banking issue. This has been an hour long search for answer that they were convinced is policy and something I need to " trust '' them with. Then they stopped trying to locate the specifics and said they would send me the disclosure statements and policies from the green book or federal policies that release them from responsibility. The member service representative I spoke with claimed that this is a rare situation, and they weren't entirely sure how to handle this, yet there's a federal policy for this. It isn't adding up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: NY

Complaint narrative:
On XX/XX/2024 unauthorized withdrawals was made to my account. XXXX XXXX XXXX XXXX  was when I noticed when the amount of XXXX was taking out of my account. Immediately I called my Wisely debit card to close my debit card and dispute the transaction. After I've done that I went to my local police department and file a police report issuing a fraud alert upon my account. I then called my Wisely card company back to see what should I do about my lost/stolen funds and they said that I will receive a letter of acknowledge in the mail and to return the letter signed within XXXX business days. By the time I received the letter of acknowledgment, I contacted the Wisely debit card company 's dispute team to be notified that my dispute case was already closed and that a second should be coming via mail about their decision. I totally think it's unfair that I'm out of money and the Wisely card company are basically saying that theirs nothing that can be done on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received a call from my cellular provider XXXX XXXX, alerting me someone was trying to steal my information and have it added to another device using a different cell carrier. I went to XXXX in XXXX CA, and they stopped the theft of my cellular information. 

On XX/XX/XXXX my cellular service was cut-off and it was determined that XXXX XXXX had failed to stop the thief, and my information was imported to an unknown device by an unknow person. 

On XX/XX/XXXX I went to XXXX XXXX in XXXX XXXX, CA and purchased a new phone. They then uploaded all my personal information to the new phone with the same phone number. 

After purchasing a new phone I kept getting locked out my online banking. I called Bank of America twice, and they assured me everything was fine and changed my online password twice. 

Beginning XXXX of XXXX, I started receiving calls from someone that I thought worked at Bank of America. They had all my personal and account information. During these calls the person was able to access my account and steal {$2500.00} in XXXX and {$19000.00} in XXXX using a different device. 

XX/XX/XXXX {$3500.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$4500.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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