vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
ROUND POINT MORTGAGE TOOK THAT ACCOUNT OVER. 

IT WAS NEVER A FIRT STATEMENT SENT. HOW DO I PAY? 

THEY REPORTED LATE. 

FAKE

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information 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
Consumer complaint received 2024-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I had FFEL loans at Navient that I made about $ XXXX in payments towards. I was approved for BDTR under SVC. I did not qualify for a refund of those payments because they were FFEL " commercial '' loans.

I was never warned that I would lose all rights to a refund in any circumstance, including BDTR. Lenders lobbied to make all of the same terms and conditions as Federal loans so that the government could not offer better rates and take profit away from them. 

No borrower received any better rate or service by staying with Navient, the interest rates are the same. There was no benefit for borrowers, in fact many of the benefits that Federal loans have, were taken away. And Navient has a long history of manipulating and neglecting borrowers.

With those things in mind, why are they still getting away with no refunds? 
They are Federally insured and backed, would they not get paid back anyway? 
Why were nearly all of the benefits of federal loans taken away, while offering nothing in return to compensate, like better rates etc.? 
Why would the Holder 's rule not apply here? 
XXXX XXXX and Navient never explained that a commecial FFELP was actually the worst option for borrowers. In fact I was given little information at all about it. 

It is beyond criminal that Navient has been getting away with so much for so long and profiting from it. Why does the DOE and CFPB not do anything about it? 

Navient needs to honor all approved Borrowers Defense approved loans by discharging AND REFUNDING all payments to everyone that has been duped and manipulated into these financially crushing loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I have filed a claim with the business on XX/XX/year> for back interest charged to me on my credit card account after a promotional period expired and not getting electronic email statements. 

I asked for the claim number but the agent would not provide it and told me I did not need it. I was advised because I signed up for electronic statements, there was nothing they could do about the interest charged even when I explained I did not get notice every month via email. 

The company said their system shows they did send an electronic email notice every month. I sent a secure email with the screen shot of proof that the statements i received this year were not monthly. I received a statement XX/XX/year>, XX/XX/year> and then XX/XX/year> and XX/XX/year>. Had i got a notification monthly I would have been able to check my bill and been reminded of my promotional balance expiring in XXXX so I can pay the rest in full. 

However, It seems this is an unfair practice and malicious intent on the banks side as I was basically forced to sign up for XXXX statements. If not, I would have incurred a monthly charge for paper mail. It seems like a intended way to get customers into signing up for e-statements so they do not check their account as often and fall victim to these situations of being charged more. 

I also explained to the business I was not getting monthly electronic notice from them via email. I received noticed in XXXX for my XXXX payment but prior to that the last notice re guarding my account was in XXXX. Had I received my monthly statement electronically via email I would have checked my account and noticed and paid my promotional balance prior to being charged back interest. 

This company seems to be making unfair practices to get you to sign up for XXXX statements to make more money and pray on customers and use it against you. They say their system shows my statements were delivered electronically to my email but I have proof I am willing to provide that I did not get them. I would like my bill adjusted and I would happily pay my balance owed without the extra interest as I was trying to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XXXX XXXX. I made 2 withdrawals from the XXXX ATM that is at the XXXX on XXXX XXXX in XXXXXXXX XXXX. The first was for {$300.00} the ATM dispensed that amount no problem the next was for {$240.00} the ATM never despensed that amount just a receipt.i called chime my bank. They said the investigated it but found no error. Which is not true because I never got the Money.even before calling chime I called XXXX since it is their Atm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-09-16 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: AL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-09-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-09-16 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: EQUIFAX, INC.
State: WA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
A total of XXXX transactions were approved by CITI Bank on a CITI issued card between September 8-10 2024. All XXXX were reported as fraud and XXXX had already been refunded by the merchant as suspicious. I saw a credit on the account the morning of the XXXX of XXXX when I called in to report them all as fraud. I have a police report from XXXX XXXX XXXX XXXX ( XXXX ) as well. 

CITI is claiming that no refunds have been issued, will not issue provisional credit for the frauds, and claiming I am over my limit. I have proof in hand that on the XXXX at least XXXX of the XXXX charges ( not including the one I saw on the account ) has been refunded. I have been told by both the vendor that refunded right away ( that I saw on the statement ) and the second vendor that refunds have all been fully processed and settled. CITI refuses to get me a manager or supervisor as they are all " too busy '' and refuses to settle the dispute or explain where any of the refunds have gone. 

At this point, I was the victim of Credit Card Theft, and apparently also a victim of the CC company refusing to process the refunds already issued. This is negatively impact my personal credit.

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 2024-09-16 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: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-09-16 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: IL

Complaint narrative:
there are unauthorized fraudulent hard inquiries on my credit report that i need removed. i never authorized these hard inquiries and they are a result of identity theft There are fraudulent unauthorized Hard inquiries on my credit report for Transunion. The following Hard Inquiries should not be on my credit report. Transunion ; 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 non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this. They are several inquiries on my report that are inaccurate. For I did not apply for any credit from those reporting companies. Please remove them.

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 2024-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXXXXXX XXXX, which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY

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 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2024 Just opened my mail to find that Sears Credit Card that I have had for over ten years and never missed a payment is raising my interest rate to 34.24 %, effective XX/XX/2024. Their letter was dated XX/XX/2024 The Sears card is through CitiBank.

This is just one month before the Federal reserve is about to start cutting interest rates. 

They tried to get me to raise my limit in XXXX. 
My interest amount now is 20.49 % on a {$8000.00} balance or {$140.00} in interest.

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 2024-09-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
These 16 accounts and 1 inquiry that are reporting negatively on my EQUIFAX credit report ( PLEASE SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against TransUnion for failing to conduct a reasonable investigation into inaccurate items on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking # XXXX ) requesting an investigation into inaccurate items on my credit report. In addition to disputing these items, I also disputed incorrect personal information listed on my credit report. 

To ensure that TransUnion could verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 

However, on XX/XX/2024, I received a response from TransUnion stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the FCRA, TransUnion is required to conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer. It appears that TransUnion has failed to meet this legal obligation by not properly processing my dispute and not conducting a reasonable investigation into the inaccurate information on my report. 

I am attaching a copy of my dispute letter sent to TransUnion, along with their response, as proof of their failure to act.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND 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 2024-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XX/XX/2024, we called to request a XXXX lease extension for our lease for account " XXXX '' to allow us time to have our new vehicle built and delivered. We were told by the agent that a letter would be mailed extending our lease for an additional 30 days and to sign that document and submit our lease payment. It is important to note that this call was taken by an agent who was not in the XXXX call center. We were advised by the representative to not make a payment until we received the document. This is the same process that we were advised of on our original lease extension. 

We never received this letter, and sent payment anyway because we still had the vehicle and wanted to honor our agreement. As promised, we turned our vehicle into the dealer on XX/XX/2024. We then received a letter stating that we were billed for having the vehicle for additional days for a rate of approximately {$80.00} per day. 

We called Ally and was told there was no record of the call and they could not make any adjustments. The representative XXXX first advised Ally mailed the document, and that we did not return. I requested the date of that document and he advised that it was sent on XX/XX/2024. I advised him this was the first request. He then confirmed that they did not mail the second request because they did not see our request on file. Although it was made via phone on XX/XX/2024. 

The representative apologized and advised there was nothing they could do because they did not have the lease extension document. They don't have the document because it was never mailed as the previous representative stated.

Company response to consumer: Closed with explanation