vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my 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 2024-12-13 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: NY

Complaint narrative:
Below are the details of the incident : 1.Original Transaction : On XX/XX/year>, I made a {$20.00} payment for transportation services using my card. This transaction was confirmed via a XXXX card reader when I tapped my Citibank credit card. 

2.Unauthorized Charge : A couple of days later, I noticed a charge of {$310.00} from a merchant named XXXX Lux XXXX XXXX XXXX categorized under Beauty and Spas. I did not authorize this charge, nor did I engage in any transaction with this merchant. 

3.Dispute Outcome : Citibank declined my dispute, citing that the charge was processed via a chip reader. However, I have evidence suggesting that the charge amount was deliberately manipulated by the merchant without my consent.

Evidence Supporting My Claim : 1.Upon reviewing the receipt downloaded from the XXXX website, it is evident that someone intentionally customized a charge amount of {$120.00} ( plus tax ) and added an additional {$180.00} as a tip. These amounts were posted to my account without my authorization. I have attached the receipt for your reference. 

XXXX have made multiple attempts to locate contact information for XXXX XXXX  XXXX XXXX and have been unable to do so. This raises serious concerns that the merchant may be engaging in fraudulent practices, potentially targeting consumers to steal credit card information and post unauthorized charges.

This situation has caused me significant distress. As a long-standing Citibank customer , I am deeply disappointed by the decision to favor a merchant whose practices appear fraudulent and unethical. It is unacceptable for a legitimate dispute to be dismissed under these circumstances.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
In XXXX  I brought a car from XXXX XXXX XXXX and were up todate with my payments until they email me saying westlake profilo were taking over and I will need to start paying them. Well when I call westlake to see what was going on they told me I owe them for the whole car which is a lie. I brought the car for XXXX and Ive been making payments. Then they told me well us auto didnt send anything over but your lease agreement so you have to start making the payments over then I ask him how much is it saying I owe and he told me more than what I got the car for. They now saying I owe XXXX but how is that possible if I were up to date on my payments before yall took over and Ive been paying for a year already. Not only did us auto break their contract but westlake put a repossession on my credit after I told them I didnt want to lease through them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$170.00} Account Name : XXXX XXXX XX/XX/XXXX - Balance : {$600.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
RE : Transunion CRA RE : XXXX XXXX I have a hard inquiry on my Transunion report as of XX/XX/year>. I have not applied for any services with XXXX XXXX. 

I would like to get the hard inquiry removed without a dip in my score.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my 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 2024-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Between XX/XX/year> and XX/XX/year> the TD Bank in XXXX, NJ charged me an excess transfer fee of {$3.00} XXXX ( XXXX ) TIMES, for a total of {$120.00} of fees for simply moving money online from my daughters savings account to her ATM account. My daughter 's account is a student account linked to my checking account. I complained about the ridiculously high amount of fees and they refunded me {$30.00}. I was not satisfied with this response and said they should refund me the full {$120.00}. It wasn't that I was overdrawn. My balances were over {$100.00} so that wasn't the problem. I wasn't withdrawing money. I just moved it online from my daughters saving account to her ATM to be used when she needed it. They responded that they have added a new fee that if you transfer money out of a saving 's account more than 6 times in one month that they charge {$3.00} for each excess transfer. I responded that I did not agree to having these fees charged and that if they didn't stop I would have to change to another bank. I am waiting for their reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-13 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: TX

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. 

Account Name : XXXX XXXX XXXXXXXX 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 2024-12-13 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:
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. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS LETTER IS A FORMAL COMPLAINT THAT EXPERIAN, HAVE IGNORED MY PREVIOUS REQUEST AND FAILED TO COMPLY WITH THE PROCEDURES TO ASSURE MAXIMUM ACCURACY IN THE CREDIT REPORTS YOU PUBLISH!! I HAVE EMAILED YOU ALL THE FACTS ABOUT A ; LATE PAYMENT ON MY CREDIT REPORT FROM XXXX XXXX XXXX.. THE INFORMATION IS INACCURATE, EXPERIAN IS NOT READING MY DOCUMENTION PROVING THAT I WAS NOT AT FAULT AND THAT THIS BANK WAS HASTY IN PUTTING A LATE PAYMENT OF {$11.00} ON MY ALMOST PERFECT CREDIT REPORT ... WITHOUT MAILING A INFORMED LETTER WITHIN 21 DAYS OF DOING THIS ... IM NOT RELYING ON XXXX XXXX SINCE THIS BANK IS TOTALLY OUT OF TOUCH WITH THEIR LONG TIME CUSTOMER 'S AND THIS BANK HAS TOTAL DISREGARD FOR THEIR CUSTOMERS WELL BEING AND THIS BANK IS BLATANTLY NOT FOLLWING THE PROTOCOL UNDER THE LAW THAT GOVERNS LATE PAYMENTS. .THE COMPUTER GENERATED RESPONSE I RECEIVED IS UNACCEPTABLE, AND I AM LOSING PATIENCE..IF THE INFORMATION IS NOT IMMEDIATELY REMOVED, I WILL BE FORCED TO SEEK LEGAL COUNSEL FOR RELIEF THROUGH THE COURT AND FILE COMPLAINTS WITH REGULATARY ENFORCEMENT AGENCIES, FTC AND MY STATE ATTORNEY GENERAL..REMOVE THIS INCORRECT INFORMATION AT ONCE AND SEND ME AN UPDATED COPY OF MY CREDIT HISTORY REPORT.I ALSO REQUEST THAT YOU PLEASE SEND NOTICES OF CORRECTIONS TO ANYONE WHO RECEIVED MY CREDIT REPORT IN THE LAST 6 MONTHS..BY THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT ... 15 U.S.C. SEC 1681i ( a ) YOU MUST COMPLY AND OVER RIDE REGIONS BANK

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NC

Complaint narrative:
I tried changing my autopay from {$1000.00} to {$530.00} ( the minimum ) using the online system approximately two weeks before it was due. It wouldnt let me change it from a specific dollar amount back to the minimum payment so I had to change it to {$530.00} in order to get the system to process it. There was no indication that it processed my request and no confirmation sent to me, however it appeared as though the system was receiving the request. The system still showed a payment coming up on XX/XX/year> for {$1000.00}. I checked in a few days later and it updated to show {$530.00} would be debited on XX/XX/year>. On XX/XX/year>, {$1000.00} was withdrawn from my account. I called Sallie Mae on XX/XX/year> and was told that the autopay takes an entire billing cycle to update, even if I delete autopay all together and set it up. This is unacceptable because an online system like this should be able to process changes quicker than an entire month. I planned on using this money for the down payment on my new house in two weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: AL

Complaint narrative:
To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have sent cashier checks to XXXX XXXX XXXX XXXX ( XXXX ) to meet grant requirements and never received the grant. Since I have not received the grant, I requested the return of the money I sent with no results to date. I have concluded that this organization is fraudulent. Attached is a list of Bank of America cashiers used by the XXXX. My contact phone number for XXXX is XXXX and only address I have is XXXX XXXX XXXX, XXXX, XXXX XXXX. You may have difficulty communicating with them because of their fraudulent nature. I refer you to the US Department of Labor Office of Inspector General and the FBI. All the cashiers on the attachment are from the XXXX. I request your investigation with a goal of returning all the cashier checks to me valued at {$200000.00}. All cashier checks were initiated from my XXXX XXXX checking account. I consider these cashier checks as stolen and request their return. Thank you 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 2024-12-13 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: 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. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2024-12-13 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-13 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: 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. 

List of Unauthorized Inquiries : XXXX XXXXXX/XX/year> 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