vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: GA

Complaint narrative:
I looked at my report back on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX. U.S. DEPARTMENT OF EDUCATION Account # XXXX these account are not fraudulent accurate because late date report, date last active, last payment is not correct. 

They have not responded to me here is my tracking number : XXXX Can you look into this matter Delete XXXX. XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX. U.S. DEPARTMENT OF EDUCATION Account # XXXX from my credit report, because of multiple violations of the fair credit reporting 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 explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP
State: WA

Complaint narrative:
I writ of garnishment was issued on all XXXX of my accounts. I did not receive notification of the writ from the attorney or from KeyBank. They took all funds in all XXXX  accounts on XX/XX/24. I asked for information they provided the attorney number and the case number. I called the attorney on the morning of XX/XX/24 bc they were closed when I found out on XX/XX/24. The attorney agreed that they had the wrong person and issued a writ of release/quash of the garnishment. They faxed and mailed Keybank the legal documentation on XX/XX/24. Nothing had changed by the morning of XX/XX/24 so I contacted the attorney they emailed the copy of the legal order which I emailed to the branch. The branch then faxed the legal docs at XXXX to their legal department and were told immediate action would be taken. 
At XXXX I called the XXXX number asking for verification that they received documentation and when it would be fixed. After being transferred and on hold we were disconnected when I entered the branch about XXXX. 
I asked the banker that had been involved since Wednesday evening to help reach out and see if we could get it fixed. After waiting for him to navigate the phone tree for about 20mins his current manager manager said there was nothing they could do even though she had the legal doc in hand that stated they need to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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 2024-04-15 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: CA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-04-12 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:
XXXX XXXX XXXX is a wrong account in my credit report.Dispute Department : According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I expect to see an original proof of the accounts that I am listing below. 
Under FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand that you remove these accounts immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I requested multiple times to give me the monthly breakdown how Chase determine the total amount of {$100000.00} for XXXX loan modification. No response, just run around.

1. The number of missed payments covered by the XXXX loan modification.

2. Breakdown per month ( example : XX/XX/XXXX : Principle {$500.00}, Interest {$500.00}, Escrow {$500.00} for each month ) The breakdown of principal, interest, and escrow for each MONTH covered by the XXXX loan modification. 

I sent the following to the executive office and customer service through mail and email at XXXX, XXXX, XXXX Case No : XXXX Dear Chase Executive Office, I am writing regarding my request for a breakdown of the 2011 loan modification for Case No. XXXX. Specifically, I am seeking information on the number of missed payments, as well as the breakdown of principal, interest, and escrow for each month covered under the loan modification.

I have made multiple requests for this information and have also spoken with your customer service representatives. However, I have not received a satisfactory response. During my recent conversation with customer service, I was informed that only the executive office has the authority to remove the second mortgage that was added to my loan. Additionally, I was told that customer service does not have access to the specific numbers used to determine the total amount of {$100000.00}. 

Given these circumstances, I kindly request that you provide me with the following information : The number of missed payments for each month covered by the XXXX loan modification. 
The breakdown of principal, interest, and escrow for each month covered by the loan modification. 
If providing the above breakdown is not possible, I request that the second mortgage be removed from my loan. 

I understand the importance of accurate and transparent financial information, especially concerning loan modifications and legal documents. Your prompt attention to these matters would be greatly appreciated. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: LEXISNEXIS
State: NV

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 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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NV

Complaint narrative:
On XX/XX/year> and XX/XX/year> I paid my full student loan payment of {$520.00}. My due date is the XXXX of the month. I was sent two delinquent notices and charged a late fee. 

Despite attempts to contact them to fix their error. XXXX getting nowhere. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: NJ

Complaint narrative:
I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed. 

The inquiries are not yet removed since my request. 

The inquiries that I wish to remove are located on the attached documents of this complaint.

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 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Freedom Mortgage is not resolving the issue with my loan account and their rep are not trained well. Today when I call their rep at XXXXXXXX XXXX MST and Rep whom I talked was deliberating trying to show that he did not understand my problem. It seems that he was showing a XXXX behavior as I am person of XXXX XXXX  Many times I had call them and had written to them and still the loan amount date settlement issue is there. My loan was transferred from XXXX mortgage to Freedom mortgage. XXXX mortgage told they have settled everything from their end.

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 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have always maintained timely payments on this account, ensuring that they are never overdue. I'm perplexed by the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b, any billing errors should be rectified.

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 2024-04-15 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: DISCOVER BANK
State: KS

Complaint narrative:
I found XXXX inquiries on my credit report I do not know. I have not done business with either- Discover Financial or XXXX XXXX. I am cocnerned they have my personal information without my authorization and may use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: AR

Complaint narrative:
An unknown suspect has been using my identity and social security number without my permission. When I reviewed my credit report I observed several accounts that I did not apply for or authorized. 

I have filed a Police report and I am still unable to get these accounts removed. Please remove these fraudulent accounts from my report. In accordance with the fair credit reporting act XXXX Account numbers 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 States 2 : It also states a consumer reporting agency can not furnish a account without my permission without my written instructions. 

XXXX XXXX  XXXX {$5900.00} XXXX XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$260.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: AR

Complaint narrative:
An unknown suspect has been using my identity and social security number without my permission. When I reviewed my credit report I observed several accounts that I did not apply for or authorized. 

I have filed a Police report and I am still unable to get these accounts removed. Please remove these fraudulent accounts from my report. In accordance with the fair credit reporting act XXXX Account numbers 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 States 2 : It also states a consumer reporting agency can not furnish a account without my permission without my written instructions. 

XXXXXXXX XXXX XXXXXXXX {$5900.00} XXXXXXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: IL

Complaint narrative:
I was notified that I had a past due balance on a credit card through WayFair ( via Citibank ). 

I did not open this account- my identity was stolen and the card was open and used fraudently without my knowledge. 

I attempted to dispute the fraud with the credit card company but they denied that was fraudulent. No reason was given.

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 2024-04-12 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: MA

Complaint narrative:
I am a victim of identity theft and have gone over to the bureaus to send my FTC reports, BUT TransUnion won't even help me. I sent out my letter XX/XX/XXXX and they received it, XX/XX/XXXX and up to this date ( XX/XX/XXXX ), the fraudulent hard inquiry is still showing on my credit report with them. I need that hard inquiry removed asap and I've been on the phone with them several times. Their agents would tell me different resolutions every single time and never actually resolved the problem. I sent out my IDs to them but they never listened. 

I also called the company but they also didn't take action on this matter. 


Here is the fraud inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX I am attaching to this request the same FTC report that I sent to TransUnion along with my IDs and proof of address.

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 2024-04-12 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: NV

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 2024-04-12 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
My issue is with Ally Bank - an online-only bank, so there's no XXXX XXXX XXXX to visit. On XX/XX/2024, I tried sending a XXXX payment to pay rent. They wouldn't send it and told me to call in. When I called in, I had issues with my cell phone not answering the verification call, so they couldn't authenticate me as owner of the account. After doing this multiple times ( XXXX at least ), and answering all their security questions successfully, they froze my accounts and disabled my online access. Many of the questions they asked were not security questions, but very personal, asking about family members, what XXXX I was using, and info that was not necessary to solve who I am. I was told someone in the fraud department would be contacting me within XXXX hours. I was never contacted by anyone by phone or email. I've tried calling in to the main support number and the fraud department multiple times but have never gotten any further than them telling me " the accounts are frozen. I will let the investigator know, and they will look into it. '' Even when calling the fraud line, I was never given a case # so I could check in on the progress. No timeline other than " soon '' was told to me, and I've not heard anything back. I have a savings account and checking account, and I can't access my money until this is resolved. My money is being held XXXX indefinitely. I have bills to pay and need access my money.

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 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was trying to pay my rent by XXXX if I did not complete payment by then I would have to pay a {$120.00} late fee. I arrived to the location at XXXX. Upon attempting to make payment my card was blocked. XXXX minutes later I received a text asking if it was me. I confirmed it was me and they said I can now use card. Once I tried to use my card again it was blocked. I waited on hold for XXXX minutes before I got in touch with a representative. At this point the location closed and I now have to pay a extra {$120.00} late fee due to incompetence by the banking institution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief