vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed a dispute letter to Equifax with 2 forms of ID proving my ID. They mailed me a letter asking to send us a copy of two different items. Ive already done this! Why do I need to do it again? I called EQUIFAX help line and even sent them another picture state issued IDENTIFICATION and it was rejected? Plis help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Two weeks ago, I sent a letter to Experian to remove old personal information and keep the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX I included a copy of my driver 's license, social security card, and a copy of a bill showing my current mailing address and it was not done. I looked at my credit report a moment ago and still shows old personal information.

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 2024-11-16 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/XXXX at XXXX I received a call from XXXX which identified on my phone as Chase XXXX A woman told me someone tried to purchase an {$1100.00} XXXX from XXXX. I explained that it wasnt mine and she then passed me to the Consumer Finance Protection Bureau so they could help me out. The man from the CFPB went on to explain that since XXXX the government had been monitoring fraudulent companies who were charging high interest rates and they were going to help me get those rates lowered. He had the last XXXX digits of my credit cards and then read the rest of the numbers. I did provide expiration and security codes ( ugh ). He knew the amounts owed on my cards. He knew the other XXXX cards I have. He said someone from XXXX XXXX XXXX would help me next. They were a top company, A+rating with the XXXX He kept saying do you understand, doesnt this sound great? He spoke rather broken XXXX, maybe XXXX, and I was having trouble following what he was saying. This is when I hung up. It was a XXXX minute call. I went to visit my daughter and told her what happened. While I was there I received another call from XXXX which identified as Chase XXXX XXXX. She spoke to a woman who identified herself as XXXX XXXX with a badge XXXX XXXXXXXX and verified that it was a legitimate call I received. My daughter was only on the call for XXXX minutes and asked for a callback number which she didnt receive. 
Ive cancelled my credit cards but I dont understand how they had all my information especially credit cards and the balances and all the cards I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 XXXX  STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX/XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : 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 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Subject : Complaint Regarding Rude Customer Service, Improper Fee, Account Access Issues, and XXXX Malfunction Details of the Complaint : On Saturday, XX/XX/2024, at approximately XXXXXXXX XXXX  EST, I called Citibank to address several issues with my account, including a {$15.00} fee that I believe was improperly charged. I maintained a balance of {$5000.00} within the first few days of opening the account, which should have satisfied the requirements to avoid the fee. Despite this, the fee was charged, prompting me to call and request that it be waived. 

When I called the business banking department, the representative was extremely rude, argumentative, and condescending. They repeatedly asked for identifying information, including both my business and personal checking account numbers, and made me repeat myself multiple times unnecessarily. This prolonged the call and added to my frustration. The representative then lectured me in a condescending tone, argued with my responses, and ultimately hung up on me without resolving my issue. 

I then called Citibank 's main customer service line and asked to speak with a business banking specialist. The representative claimed they could assist me, but it became clear they were not equipped to handle my concern. After keeping me on the phone for approximately 30 minutes, they also hung up on me without providing any resolution. 

Adding to my frustration, I discovered that my account is now frozen, and I am unable to log in. Additionally, XXXX is not working, which further hinders my ability to access or use my funds. This is highly inconvenient, as I rely on these services for my daily financial activities.

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 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter has been reporting unlawfully on my consumer report inaccurate information and continues sell my info to different creditors repeatedly without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: Fintology Technologies
State: TX

Complaint narrative:
I have been cleaning my credit and all of a sudden a vehicle appears on my report. However I have not purchased anything due to the fact that Im trying to purchase a home. I have called the number that connected to the agency and have spoken to XXXX multiple times and he informed me he would have it removed. Until this day I call leave messages and still havent gotten a response.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-16 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:
Experian reporting incorrect information on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: MI

Complaint narrative:
I have submitted multiple complaints to Mohela as they have an embedded error on my account that no one has fixed. I was placed into a processing forbearance on XX/XX/year> due to the XXXX plan processing. During this time my account transitioned to the new platform. Mohela incorrectly billed me for XX/XX/year> even though I was in a forbearance. I have called multiple times and spoken to reps and supervisors who verify I should not have received a bill and I am not past due. The supervisors told me a special team needs to fix the embedded past due issue, but it has been XXXX months and my account still shows past due, which is not accurate. I am providing documentation from Mohela that verifies I was in a forbearance on XX/XX/year>, therefore I should not have received a bill and I was not past due. I have called numerous times and requested updates but no one has fixed my account or provided feedback. They have verified my account is not past due and I should not have been billed in XXXX as I was on a processing forbearance, but my dashboard and when I call in, it reports my account is past due. I've been told I am not delinquent, but no updates have been provided and no follow up from Mohela to fix this error on my account which is their embedded error and not my wrong doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX Transfer my information to this company without my consent and knowledge NATIONAL CREDIT SYSTEMS. 

Balance {$4100.00} Highest Balance {$4100.00} Opened XXXX XXXX, XXXX  ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  / XXXX  XXXX Date : XX/XX/XXXX I previously filed a formal complaint with the Federal Trade Commission XXXX FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : XXXX. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
XXXX. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
XXXX. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
XXXX. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
XXXX. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's 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 2024-11-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  / XXXX  XXXX Date : XX/XX/XXXX I previously filed a formal complaint with the Federal Trade Commission XXXX FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : XXXX. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
XXXX. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
XXXX. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
XXXX. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
XXXX. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my 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 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
The XXXX  ( XXXX ) company calls me repeatedly XXXX times to remind me of payment and then if Im late XXXX day, get aggressive on the phone with me. XXXX and treat you like garbage. I stopped answering the calls now. Find new numbers to call and text me from. Im annoyed and feel harassed. They threaten to repo the vehicle. Feel like they target people with bad credit and then trap them with no way out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> a payment of XXXX was made to the my lowes Reward credit card, which is apart of synchrony bank. When I went to check my XXXX XXXX yesterday it has dropped significantly do to them putting a late charge on the card even thou it was payed because i have the conformation number which is XXXX and my bank said that they received the money. I have made payments before with no problem. A payment of XXXX was made in XXXX with no issue as well. I spoke with numerous people at the my XXXX credit card division and they said it would be removed but it is not. I am a XXXX XXXX XXXXXXXX XXXX adult who has always payed his bills on time or in advanced. I feel like they are discriminating against me cause of my 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 2024-11-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally submit a complaint against Experian regarding their reporting practices, which I believe violate the Fair Credit Reporting Act ( FCRA ) and other consumer protection regulations.

I have discovered that Experian has reported an account that has been officially removed from my credit report. This action appears to contravene the following provisions of the FCRA : 1. **Accuracy Requirement** : The FCRA mandates that credit reporting agencies like Experian ensure that the information they report is accurate and current. Reporting an account that has been removed constitutes a violation of this requirement. 

2. **Consumer Rights** : As a consumer, I have the right to dispute any inaccurate information on my credit report. If Experian fails to investigate my dispute adequately, this too would be a violation of the FCRA.

Additionally, I believe that Experian may be in violation of regulations enforced by the CFPB that protect consumers from unfair practices in credit reporting.

Consumer law prohibits false or misleading credit reporting. 

Lastly, Experian has not taken reasonable steps to ensure the accuracy of the information they report. I'm uploading 2 credit reports. Experians app credit report vs XXXX.Experian has not updated this account XXXX XXXX XXXX which has been removed, but is still reporting on XXXXXXXX XXXX XXXX 

My rights have been violated, and I request that your office investigate this matter. I am seeking assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,

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 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I called into the bank cs line tos we why I couldnt reset my password talked to XXXX and it wasnt allowing the bank directly to send me reset passcode. I asked to speak to his supervisor he refused and just transferred me to the regular automated cs line after being on hold for about 10 minutes waiting. I called back talked to another lady who said my accounts were being closed without giving me any explanation or access to the secure messages to see why my accounts were closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
On XXXX at XXXX XXXX  I called XXXX XXXX XXXX XXXX, XXXX & XXXX after receiving a letter on XXXX that was dated XXXX. Threatening me that if I dont resolve the matter within XXXX  days of the date of the letter ( XXXX ) they would sue me. I Offered to pay {$XXXX} dollars a month to resolve the {$XXXX} debt, he asked me what I make and I told him that was none of his business. He said in order to come to an agreement on making payments. I again said I will make {$XXXX} payments every month, he then asked me if I could pay {$XXXX} a month and I told him no. He then asked me if I could pay {$XXXX} a month and again I told him no. I told him all I could afford was {$XXXX} a month, he said that he could not except that and since I would not tell him what I make that they probably couldnt except much less than what he offered me. I told him that he was refusing my payment arrangement and that is wrong, he said said no he was not refusing it since I wouldnt tell him how much I make. I also asked why no one had called me and he said they had tried, I told him I had not gotten any calls or voicemails and he said that my mailbox mustve been full. I told him no it is never full and he said that was not his problem that my mailbox was full. He was very rude and talked down to me and acted like I didnt have any rights and again I told him that he was refusing my offer and told me that I would have to call back in a couple days to see if a decision was made to except my {$XXXX} but that since I was not corporating with him they probably wouldnt except my offer.

Company response to consumer: Closed with explanation