vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
On or about XXXX of XXXX, I closed my account with Avant Credit : account # ending in XXXX. The remaining balance on the account was {$1900.00}. The last purchase on this account was on XX/XX/XXXX, and the purchase was an unauthorized purchase from XXXX, as a recurring payment from a canceled account. On that XXXX statement for XXXX, I was charged {$37.00} for purchase interest and {$12.00} for cash advance on a closed account. 

The last cash advance that had a bank fee included was on XX/XX/XXXX, and that cash advance was from XXXX XXXX. I am not complaining about the first charge on a cash advance fee of {$12.00} on the XXXX statement. I have a complaint on XXXX of XXXX 's statement that included a {$37.00} purchase interest fee, with a {$12.00} cash advance fee. And following fees such as : ( 1 ) XX/XX/XXXX { {$35.00} [ purchase fee ], {$12.00} [ cash advance fee ] } ( 2 ) XX/XX/XXXX { {$32.00} [ purchase fee ] {$10.00} [ cash advance fee ] and a {$39.00} late fee }. 

The remaining balance on the account on XX/XX/XXXX was paid in full one day after the late fee was charged, and I made a lump sump payment of {$1800.00} on XX/XX/XXXX to close the account. There was no remaining balance on the account once a lump sump payment was agreed too and made to Avant Credit. On XXXX/XXXX/XXXX the credit card company assessed a charge of {$6.00} purchase fee and {$2.00} on a cash advance fee. Resulting in hidden fees that were charged to an account that has been closed for 6 month, and hasn't had a purchase on the account for 6 months. 

Avant Credit is a sub-chapter of XXXX XXXX, both located in XXXX Illinois, and upon talking to consumer service, I was told that the charges reflect market rates on the credit card. Even though the account was closed for more than 6 months. And upon, complaining with the XXXX XXXX XXXX, plus XXXX XXXX -- because Avant was sending negative reports to XXXX -- which results in XXXX in favoring these banking institutions, and dramatically lowered my credit score because I didn't want to opt into their {$29.00} monthly fee on credit rate protection, to fend off on predatory reporting on predatory collections on fees. My personal credit, even with exceptional payment history took a massive hit from above XXXX, and crashed to XXXX because I made two disputes on the reporting and the transaction fees that are being charged by Avant Credit, which is a credit card from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: WA

Complaint narrative:
I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished.

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 2024-04-26 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: MA

Complaint narrative:
Im reporting again XXXX XXXX credit card they have not shown me full receipts for this card only the last 3 which were all payments made may me this a clear attempt to keep restarting the 30 day date to respond properly if you look back in your disputes I just recently had same issue with their fanatics card as well again attached is their response which just shows last 3 statements not receipts of all balance and it says if we do not hear from you we assume this debt is correct. So Im responding

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 2024-04-26 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: MA

Complaint narrative:
Im reporting again XXXX XXXX credit card they have not shown me full receipts for this card only the last 3 which were all payments made may me this a clear attempt to keep restarting the 30 day date to respond properly if you look back in your disputes I just recently had same issue with their fanatics card as well again attached is their response which just shows last 3 statements not receipts of all balance and it says if we do not hear from you we assume this debt is correct. So Im responding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
I am writing to formally bring to your attention a critical matter related to my consumer rights under the provisions of 15 U.S. Code 1681c-2. On JXXXX XXXX, 2024, I submitted a request to investigate inaccurate accounts on my credit report. Unfortunately, it has been over XXXX days since I sent my inquiry, and I have not yet received a response. 
It has come to my attention that the consumer reporting agency involved has failed to comply with the statutory requirement to block the reporting of information resulting from alleged XXXX XXXX within the stipulated time frame of XXXX business days. As of today, XXXX days have passed since my initial request for the removal of these items, and I am deeply concerned about this violation of federal law. 
As a victim of XXXX XXXX, I have taken the necessary steps to dispute and rectify the fraudulent accounts on my credit report. However, despite the clear legal obligation imposed by 15 U.S. Code 1681c-2, the consumer reporting agency has not acted promptly to delete this information from my file. This situation is causing me significant distress and threatens my financial well-being. 
Additionally, I want to emphasize that I have never provided written consent to any consumer reporting agency to report the disputed items on my consumer report. This is a direct violation of my rights as a federally protected consumer. XXXX XXXX itself constitutes a lack of consent, and it is imperative that these accounts be removed immediately. 
Under 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances, none of which apply in my case as I never granted written consent for the inclusion of these accounts in my report. 
I kindly request that you treat this matter with the urgency it deserves, as it directly affects my rights and financial stability as a consumer. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation. 
Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this issue.

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 2024-04-26 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: IL

Complaint narrative:
I am writing to formally bring to your attention a critical matter related to my consumer rights under the provisions of 15 U.S. Code 1681c-2. On XXXX XXXX, 2024, I submitted a request to investigate inaccurate accounts on my credit report. Unfortunately, it has been over XXXX days since I sent my inquiry, and I have not yet received a response. 
It has come to my attention that the consumer reporting agency involved has failed to comply with the statutory requirement to block the reporting of information resulting from alleged XXXX XXXX within the stipulated time frame of XXXX business days. As of today, XXXX days have passed since my initial request for the removal of these items, and I am deeply concerned about this violation of federal law. 
As a victim of XXXX XXXX, I have taken the necessary steps to dispute and rectify the fraudulent accounts on my credit report. However, despite the clear legal obligation imposed by 15 U.S. Code 1681c-2, the consumer reporting agency has not acted promptly to delete this information from my file. This situation is causing me significant distress and threatens my financial well-being. 
Additionally, I want to emphasize that I have never provided written consent to any consumer reporting agency to report the disputed items on my consumer report. This is a direct violation of my rights as a federally protected consumer. XXXX XXXX itself constitutes a lack of consent, and it is imperative that these accounts be removed immediately. 
Under 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances, none of which apply in my case as I never granted written consent for the inclusion of these accounts in my report. 
I kindly request that you treat this matter with the urgency it deserves, as it directly affects my rights and financial stability as a consumer. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation. 
Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NV

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-26 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE AN XXXX XXXX XXXX  AND HER NAME ( XXXX XXXX ) ALONG WITH HER ACCOUNTS ARE REPORTING XXXX AND EXPERIAN CREDIT BUREAUS. 

THE ACCOUNTS ARE LISTED AS : 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 I HAVE BEEN CONTACTING XXXX TO CORRECT MY NAME AND SENT THEM PROPER DOCUMENTATION VALIDATING MY IDENIFICATION AND THE ISSUE HAS NOT BEEN RESOLVED.

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 2024-04-26 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-26 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: OK

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: FL

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. 
XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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

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 2024-04-26 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: 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 2024-04-26 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: IN

Complaint narrative:
Upon reviewing again my XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: MD

Complaint narrative:
on XX/XX/2024 someone opened a XXXX XXXX XXXX XXXX account in my name along with XXXX XXXX on XX/XX/ 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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received an email from a company called Chime around XX/XX/XXXX that I opened an account and a debit card would arrive to my house soon. I also received an email from them about a line of credit. I never knew this company even existed. I never opened an account with them. I know my data is online from several data breaches and I have now taken steps to protect myself. Either someone tried to steal my identity or Chime is opening false accounts to inflate their numbers. It is really suspicious to me because the account was opened after I froze my credit. Really strange. Chime had my social, phone number and address. A debit card did arrive in the mail to my home. I tried contacting Chime via phone call & could not get to a person without them dropping my calls after a few minutes. After the first couple times it happened, I knew it was no accident and it's their intentional practice to make contacting them for assistance difficult. I finally found their email online & was able to communicate with them in writing to close my account. The auto message I received before connecting to a person said their email communication is ceasing after early XX/XX/XXXX. That's so wrong of them with how their customer service calls worked in my experience. I'm glad I was able to close my account with them ( hoping they aren't lying ) but something shady is going on with either Chime and/or my personal information. Like I said earlier, I have frozen my credit but I also bought a credit/data monitoring service & made a pin with the IRS. Other than that I don't know what else to do...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I contacted MOHELA to find out why they have unilaterally refused to remove me from the XXXX plan and place my loans on the XXXX XXXX XXXX. The customer service representative refused to direct me to where it states that I must apply to be placed on the XXXX XXXX XXXX. The representative, named XXXX, repeatedly interrupted me and hung up on me when I demanded he stop interrupting me and provide me an opportunity to complete my statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Every month we paid on time and before the due date by cashier check since their online payment methods would triple charge our account and never reflect a payment. We took checks from the bank and mailed them to Santander and they would always be reported back as cashed and claimed but were never reflected on our account. After many calls they finally reflected the first XXXX that were sent but claimed they never got any of the others even when the bank traced them down to being cashed in by their company. After failing to show that we did pay and omitting that they took our money they reposted the vehicle and sold it to settle the balance due. Though they never reflected the sold value on our account either and still are trying to claim the full amount against us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: GA

Complaint narrative:
I look at my credit report and notice XXXX ACCOUNT # XXXX WHICH SHOULD NOT BE ON MY CREDIT I HAVE NO CONTRACT WITH THIS COMPANY. I ALSO NOTICE INACCURATE DATA. ALL XXXX CREDIT BUREAUS SHOULD REPORT THE SAME. 
XXXX FROM XXXX IS XXXX info Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ADDRESS IS Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number

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