vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX provided a copy of my credit report to multiple companies without my authorization : -CBNA  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX As such XXXX it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2024-02-01 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: William D. Meeker Enterprises, Inc.
State: FL

Complaint narrative:
XXXX provided a copy of my credit report to multiple companies without my authorization : -XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX -XXXX XXXX on XX/XX/XXXX As such , it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed a copy of mt credit report and noticed that these accounts I did not apply for nor did I Have any knowledge of these accounts please look into this matter please and Thank 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 2024-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
MOHELA refuses to count my payments towards PSLF in XXXX. They have my loans listed at being in deferment at that time. THIS IS THEIR ERROR. I was not in school and had not been in school since XXXX. I worked and provided my PSLF form numerous times. I have asked for this to be corrected with them refusing or telling me to prove I wasn't in school. How can I prove I wasn't in school other than by providing my graduation of XX/XX/XXXX. Not counting these months or processing my most recent uploads recommended by Studeentaid.gov is keeping me from qualifying. I am losing this benefit because they will not fit their clerical error

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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 value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On my Santander account on all 3 credit bureaus XXXX, XXXX, XXXX is reporting inaccurate late payment dates. Check XX/XX/year> they got me 30 days late in XXXX and 30 days late in XXXX and 30 days late in XXXX. Its impossible to be 30 days late each month instead it should have been XXXX  30 days, XXXX  60 days late and XX/XX/XXXX. Also XXXX XXXXXXXX and XXXX they have both 30 days late and XX/XX/XXXX and XX/XX/XXXX all inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-02-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
I have reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included a screenshot inside this complaint on the dates of ( XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX ), and ( XX/XX/XXXX for XXXX XXXX ). Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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:
I have reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included a screenshot inside this complaint on the dates of ( XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX ), and ( XX/XX/XXXX for XXXX XXXX ). Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :

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 2024-02-01 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: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I had a transaction that came in XXXX something dollars that i get every month, like clock work. i have rent to pay on the XXXX of this month, why are they messing with my account. 
I just called them again 2nd call got a not so nice agent, he was very nasty, i just want them to give me my balance, they can give it to me in cash or check, so that I can pay my rent, I would prefer cash. I can go to the pnc in my area, and pick it up. Apparently the 2nd agent is telling me they want to close the relationship with me, and thats fine, but, I would like my money. 
I would also like to know the reasom, for closing my account, this is at a surprise to me. They cant just take my money. I dont owe the bank any money and that should be lefted clear for them to give me my balance. The funniest thing is they just send me a new card, because i got a call saying that they saw suspicious activity in my account and it wasnt me so they sent me a new card just recently. So they are not making any sense, and all the people that i had signed up with PNC I will take them with me. 
They have been a nightmare with all their high fees. 
I thought i could rest easy knowing i had an account with PNC and people have been warning me since of their behavior. 
The outcome is I just want my balance and they can have their account and their relationship its fine Just give me my balance and the fact that the agent was yelling at me and i yelled back saying " THEY HAVE A RIGHT TO END THE RELATIONSHIP WITH ME " wow unprofessional!!! 
I'm very angry, I have rent to pay I received no letter from PNC No closing notice No nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, I called Chase member services. Told them I had fraudulent charges, they transferred me to the fraud department. Fraud department told me I had to call XXXX and provided me their number. I called XXXX, verified the charges were fraudulent. Spoke to Chase, they couldn't remove the charges, I went back and forth with them. Asked for total balances on both accounts. Paid both in full and requested for accounts to be closed. I was told they were. I received emails and letters stating my account was past due... but I closed my account??? Called Chase, spent over an hour on the phone to tell them any charges on my account were fraudulent, was transferred 5 times, spoke to two different people in the fraud department. They told me the account was closed in XXXX, I assume from non payment even though I didn't authorize any charges. They would waive the late fees, fraud department is flagging the other charges. My question is, if I requested for my account to be closed and I was told it was on the date above, why did Chase authorize other charges? In addition, you have negatively impacted my credit score. I want that fixed ASAP. Listen to the recordings. I've requested this account to be closed several TIMES, I've also reported fraud charges well before the above date mentioned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01 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:
Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$0.00} 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 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the presence of fraudulent accounts on my credit report due to identity theft, as reported on XXXX. The associated banks have acknowledged the identity theft and agreed to remove these accounts. XXXX and XXXX have already removed these accounts. 
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 2024-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address the presence of fraudulent accounts, specifically XXXX XXXX XXXX XXXX, currently damaging my credit report. These accounts have been confirmed as fraudulent through an identity theft report, with the associated banks acknowledging the validity of the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: PA

Complaint narrative:
Somebody stole my car and my wallet was in there with all my personal information. I need the following accounts deleted from my report. I am a victim of identity theft. I have listed the report of accounts in a report from the federal trade commission. My affidavit is included as well. Please help me get these accounts off my file. It is tarnishing my name as well as all of the legal troubles I have to handle due to my car being stolen.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I've been having a Citi credit card for years. A little over a year ago my card had a fraud alert that someone tried to use my card. I am single and l and NEVER give me card to anyone to use. I called Citi and they had to issue me a new card. I asked them to expedite the shipment of the new card and they did. 

On XX/XX/year>, I had a fraud alert on my new card of only a year. I called Citi and they are going to issue me a new card. I asked them to expedite the shipment of the card as I use this card for everything. I use it to pay my bills, gas, groceries, doctor appts, etc. I rarely use my card to make purchases online!!! NOT SURE HOW THESE FRAUDS ARE OCCURING. The rep says she tried but was having trouble. Today, XX/XX/year>, I go online to my account, and it has NOT shipped yet, so I called customer service again to see if I could get it expedited. I was told " NO, they don't do that anymore. I have to wait 7 to 10 business days for it to be mailed to me. As a long-standing customer with excellent payment history, Citi would not accommodate me. This is very frustrating as I, the customer, is the one who is being penalized for someone trying to use my card. I now have to go to the bank and draw out cash to make my purchases. These credit card companies need to find a better way to get a credit card to an existing customer without this long wait. They also need a better system to protect customers from this kind of fraud taking place. In today 's technology, you would think they would be something safer to use. The card has this XXXX digit code on the back that is supposed to be for that, however, NOT all merchants when ordering online ask for this. Charges to a credit card should require a pin or a fingerprint or something unique to the card holder in order for a purchase to be allowed on anyone 's credit card. 

I am truly frustrated that I am a victim of this, yet I am the one who suffers the most. I will start searching online for another credit card company that I may have to switch to since this is the type of service Citi is providing to it's customers.

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 2024-02-01 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: DE

Complaint narrative:
Under 605B, this account must be taken off ASAP. I'm really upset that it's showing up on my credit record, and it's not my account. Its presence has greatly bothered me, and I feel sick about this situation. Please remove it promptly. 

According to 605B, this account should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: CA

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. I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX that is with XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 explanation
Consumer complaint received 2024-02-01 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: PA

Complaint narrative:
Somebody stole my car and my wallet was in there with all my personal information. I need the following accounts deleted from my report. I am a victim of identity theft. I have listed the report of accounts in a report from the federal trade commission. My affidavit is included as well. Please help me get these accounts off my file. It is tarnishing my name as well as all of the legal troubles I have to handle due to my car being stolen.

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 2024-02-01 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: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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

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 2024-02-01 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: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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

Company response to consumer: Closed with non-monetary relief