vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
n XX/XX/23 I paid the balance of a credit card with a {$5000.00} limit, then on the same day Santander bank sent me an email about possible fraudulent charges, At this time the charges were pending and I called the bank and told them that I did not authorize the charges, they said no problem, we will remove the charges, deactivate the card, and issue a new card.. 

On XX/XX/23 I checked the card balance and found that the unauthorized charges went from pending to completed, so I call the bank and they said they knew nothing about the call or email on XX/XX/23 even though a new card had been issued by this time, but they will fix this matter by opening a complaint which will take 90 days to complete. 

the amount in question is 5 charges for XXXX totaling {$4300.00}. 
I then asked how the thief knew the balance was near XXXX so as to charge the card to the limit, they could not answer, but this could only happen with internal information at the bank, by the bank itself, or an employee stealing, but either way, the bank is at fault. 

I asked the bank who requested the charges, what state is the business registered in, what is their legal name, what is their contact info, what bank receives the funds from the charges, and what product was purchased, or anything other than an obviously fake description the charges, the bank would not answer any of these questions. 

It is quite clear that each phone call follows a pattern of long waits, and then a run-around about the incompetence of the person on the previous call, and then an assurance that the matter will be resolved, but the matter is never resolved regardless of how many calls are made.

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 2023-10-17 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: MOHELA
State: NE

Complaint narrative:
My servicer, MOHELA, has given contradictory and inconsistent information regarding my repayment terms and is unresponsive. On XX/XX/XXXX I submitted a request via studentaid.gov to have my income-based repayment recalculated in reflection of a reduction in my income, on which I asked for whichever payment plan had the lowest monthly payment. The FSA website estimated my monthly payment would be {$0.00} on the SAVE plan or approx. {$120.00} on the PAYE plan. 
On XX/XX/XXXX I received an electronic document ( dated XX/XX/XXXX but not received until XX/XX/XXXX ) stating my loans were placed on an administrative " processing forbearance '' from XX/XX/XXXX until XX/XX/XXXX. 
On XX/XX/XXXX I was notified my request for IBR recalculation placed me on a SAVE plan with a monthly payment well above my ability to afford ( approx. 22 % of my " discretionary income '' as calculated based on federal poverty designations, and roughly 20 % of my actual total monthly net income ) with a due date of XX/XX/XXXX, in contradiction of the processing forbearance previously stated. 
I could not contact MOHELA by phone as calls were dropped and unanswered. I submitted a message via MOHELA 's website on XX/XX/XXXX stating my belief the payment calculation was in error and requesting resolution/recalculation. This message has not been acknowledged or replied to as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: IL

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-10-17 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: DISCOVER BANK
State: IL

Complaint narrative:
this is not my account, pls remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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:
Hi there. I checked my FICO score through my bank, XXXX XXXX. Upon reviewing the details of my score, I found that a XXXX XXXX XXXX with a credit limit of {$500.00} was on my account as an authorized user. However, I have no knowledge of this account, nor have I used the credit and made payments on it. Check the details of my bank account and you will see I have never made a payment to this card. I have never done business with any other bank besides XXXX XXXX. I have disputed this with Experian but resulted in correct information. However, this is incorrect because I do not have any information on this card or was aware of it in the first place. I have contacted XXXX to find information on this account but because I do not have an ounce of information, I can not find out who put me as their authorized user. I only have one credit card in possession and that is my XXXX XXXX credit card, thats it.

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 2023-10-17 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: MI

Complaint narrative:
So I was trying to buy a house and I realized I had damages on my credit report according 15 USC 1681 law there should not be any damages on my report it is a defamation to my character

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 2023-10-17 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: OH

Complaint narrative:
I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well.

The accounts are listed below. 

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 2023-10-17 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 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 DEPT OF EDUCATION XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-17 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: TX

Complaint narrative:
I am writing to report a matter of significant concern regarding unauthorized credit inquiries and an unauthorized credit account on my credit report. I kindly request your assistance in addressing this issue, as my efforts to resolve it with Equifax have thus far been unsuccessful. 

On my credit report, I have identified two separate unauthorized credit inquiries that I did not authorize. Furthermore, there is a XXXX XXXX XXXX XXXX  account that has been listed for the past eight months. I wish to clarify that I did not initiate or authorize this account. 

I strongly suspect that my identity may have been compromised, as I have no affiliation with these inquiries or the XXXX XXXX  credit card account. The presence of these items on my credit report poses a significant risk to my financial stability and creditworthiness. 

I have made multiple attempts to have the XXXX XXXX account removed from my Equifax credit report, but my efforts have yielded no success. This has prompted me to escalate the matter to your agency in the hope of receiving appropriate guidance and resolution. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter to safeguard my personal and financial information. I have taken immediate steps to protect my identity, such as notifying my financial institutions and closely monitoring my credit report. However, I believe that your intervention is essential to address this situation promptly and effectively. 

I would greatly appreciate your assistance in resolving this matter as soon as possible and ensuring that my credit report accurately reflects my financial history and identity. Your support in this regard would provide me with much-needed peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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:
I have been having this issue since XX/XX/2023 and these accounts do not belong to me and were caused by identity theft/fraud. I have requested several times that the companies need to send me the debt of validation letter but they have failed to do so 3 times and that's breaking the law. per 15 usc 1681b as a consumer I know my rights and this is illegal. These accounts were not authorized by me at al and they should not be reporting. Before i report you to the business better bureus and my attorneys general I will give you all 1 more chance to reinvestigate this matter the right way.

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 2023-10-17 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:
I have been having this issue since XX/XX/2023 and these accounts do not belong to me and were caused by identity theft/fraud. I have requested several times that the companies need to send me the debt of validation letter but they have failed to do so 3 times and that's breaking the law. per 15 usc 1681b as a consumer I know my rights and this is illegal. These accounts were not authorized by me at al and they should not be reporting. Before i report you to the business better bureus and my attorneys general I will give you all 1 more chance to reinvestigate this matter the right way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: 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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: 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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-10-17 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: AR

Complaint narrative:
On XX/XX/2023, My bank account information with XXXX XXXX XXXX XXXX was hacked and someone was able to take out a fraudulent loan in my name. XXXX XXXX XXXX XXXX is aware that it was a fraud loan, but continue to punish me by stating that I am responsible for the fraudulent loan amount and that it will continue to negatively affect my credit score if it is not paid. I have called numerous times, and spoke to the manager of the loan department. No one was helpful, no one took me seriously and there was no help whatsoever offered. The person was even identified using an IP address that Ive never used before in a different state. They have no account security or recovery policies in place to help their customers who are victims of fraud because of their negligence.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX XXXXXXXX I submitted a letter to the Consumer Financial Protection Bureau about the late reporting error being reported by the creditor, XXXX XXXX XXXX 

According to their response, my XXXX payment was 19 days past due as of XX/XX/, but on XXXX XXXX XXXX they reported my XXXX payment as 30 days late, which reflects their error in reporting. 

According to the payment report they submitted to the Consumer Financial Protection Bureau, my payment was made on XX/XX/, and was 10 days late. 

Not only did they report my payment as being 30 days late, but the error in their reporting caused my credit score to drop XXXX XXXX 

On XXXX XXXX XXXX I submitted a reporting dispute with the credit bureaus, Equifax, XXXX, and XXXX to have their error corrected and on XXXX XXXX XXXX XXXX XXXX XXXX updated my credit file to reflect my XXXX XXXX XXXX XXXX  payments as " unknown '', added my current payment status as " 30-59 days late ' and added a note on my file which reads, " affected by natural disaster '' which this inaccurate reporting caused my score to drop even more. 

The erroneous information remains on my credit report in violation of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Someone opened an account and the fraud in my company had money transferred to an account in my companies name however we do not own and are not associated with this account at the moment it looks like they were able to scam close to {$40000.00} from us and our customers. 
I have the bank name, account numbers, routing numbers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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:
I have been having this on going issue with these 2 companies sense XXXX XXXX these accounts do not belong to me and they need to be removed. per 15 usc 1681 b this is violating my rights as a consumer. Before I report this to the XXXX XXXX XXXX or attorney 's general I will give you all one more chance to reinvestigate this matter and resolve the issue properly.

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 2023-10-17 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:
I have been having this on going issue with these 2 companies sense XXXX XXXX these accounts do not belong to me and they need to be removed. per 15 usc 1681 b this is violating my rights as a consumer. Before I report this to the XXXX XXXX XXXX  or attorney 's general I will give you all one more chance to reinvestigate this matter and resolve the issue properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
During Covid I was late on a few payments and I called the companies XXXX XXXX XXXX and XXXX XXXX XXXX and Sheffiled and told them that we were going to be late due to the shut downs for covid. they still reported late even when I gave them the articles from the House of Representatives stating that no late payments can be reported on the credit reports during covid, Per the President of the USA

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