vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion regarding their failure to address my dispute letter sent on XX/XX/year>. In the letter, I requested an investigation into numerous inaccurate items on my credit report, including accounts such 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Additionally, I disputed incorrect personal information listed on my credit report. 

To help TransUnion verify my identity and address, I included copies of my photo ID, social security card, and a recent bill. 

However, I received a response from TransUnion dated XX/XX/year>, stating that they couldn't process my request because it didn't appear to have been sent directly by me or a properly authorized third party. This response indicates a failure on their part to conduct a reasonable investigation into the accuracy of the disputed information, as required by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this complaint are copies of my dispute letter sent to TransUnion, along with their response, as evidence of their failure to adequately address my concerns.

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 2024-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: TX

Complaint narrative:
I found on my XXXX that a loan in a separate state from the one I live, and with a completely different name from mine, used my social security to process a Loan with one Edfinacial, I've refuted this claim multiple times as fraudulent on XXXX with it getting denied every time, finally I had enough and went directly to XXXX website to make the claim but they refuse to do anything with out me providing the account information ( which I clearly don't have ) or my social security number, which I refuse to give them because I have my doubts they won't just use it to say I do owe money that I was never lent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: CO

Complaint narrative:
On XX/XX/year> I accidentally signed up to the annual XXXX plus plan priced at {$99.00} plus taxes using my Klarna credit card. I immediately contacted the merchant ( XXXX ) and requested a cancellation and was given a full refund. Klarna never refunded my money back. I disputed the charge with Klarna and went on a month long investigation they ultimately decided they have found no evidence of cancellation and refuse to refund my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
I have unauthorized credit inquiries on my report from 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 2024-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
See previous complaint # XXXX. 

JPPenney credit card continues to charge excessive and unconscionable late fees. Most recent fee was charged because a previously promised additional {$41.00} refund was not done. Further, purchase returns have not been processed and refunded properly, so I did not anticipate a payment due in the first place. 

Also, JCPenney arbitrarily and substantially reduced the credit card available credit from {$4000.00} to {$250.00} without reasonable cause or due process. This directly, immediately and substantially damages my personal credit score, and is resulting in significant financial harm 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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for a capital one credit card loan. I was approved but I never used the credit card because They wanted me to pay XXXX dollars just to be eligible for the credit card loan. So I did NOT proceed with the process. I dont understand why this is still on my credit if I never used or received the card. Please help me by removing this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I have unauthorized credit inquiries on my reports

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account was charged off on the following date of XXXX, XXXX. Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history. A charged off account should NOT include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: LA

Complaint narrative:
My account has been closed since XXXX of XXXX  but yet I have somehow been accruing numerous late fees the past several months. How is ethical or make sense for a business to be charging you late fees and interest on an account that is not even no longer open? I cant even tell what I originally owed due to the huge amount of late fees. I have no problem paying if I owe an actual balance but I should not have to pay late fees on a closed account. I was not even aware of this until recently due to the credit alerts about late fees added to my report. So instead of helping my credit, you are purposely hurting it by being money hungry and charging fees on account that is not open. Make it make sense. Never in my life has a credit card company done this. If this continues, I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
My loan was placed into administrative forbearance by Mohela- which per the government and MOHELA counts towards PSLF. I made 120 payments as of XX/XX/2024, submitted the employer certification form, and called Mohela to place me in a pslf processing forbearance. I was told on 3 separate occasions I would be placed into the forebearance, and nothing has been submitted. There are 3 payments listed as ineligible payments from the administrative forebearance placed by Mohela, and so my count is XXXX. Because of their error and lack of ability to update the payments as eligible, I can not get a processing forebearance. I have spent over 9 hours on the phone, and the representative is unable to assist and then transfers me to voicemail. I am now late on the payments- payments that I do not owe. They have been unable to assist and tell me there is nothing I can do. I called Federal Student Aid, who states that Mohela has to switch the counts. This is illegal and predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: DC

Complaint narrative:
I signed up for a secured credit card depositing {$2500.00} of my own money to build credit. I lost my job in XXXX of XXXX  and was unable to make payments on the account. They closed my account and never sent me my funds back. I would like this charge deleted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My name is XXXX XXXX, XXXX. This is for my Citi checking account # XXXX. 

The XXXX  : I put XXXX into a Citi checking account and tried to transfer out 2 week later. Citi closed my account without telling me and told me can not tell me why, and that the only way I can get my monet back is to file recalls of he money from funding banks and Citi can not give me the money or send me a check. 

Whole story : I put in around XXXX in late XX/XX/XXXX. XXXX of it were an ACH transfer from my other bank account, the rest of XXXX is a wire transfer from my husband ( XXXX XXXX ). This money I put into Citi as relationship money to lower my mortgage rate. The mortgage and house was closed on XX/XX/XXXX. And I tried to transfer my money out on XX/XX/XXXX online and it failed. I called Citi to see what is up and they told me the transfer is going through regular verification and will go through once it is done. I checked my account on XX/XX/XXXX and I can not log in. I called Citi bank and they informed me they have closed my account and can not tell me why and will send me a check to my address on file. I told me I am moving today and need to change my address, but they said they can not do that because my account is closed. I called the. banker that helped me open this account -- XXXX XXXX ( XXXX ). He helped me contacted the fraud department who closed my account on XX/XX/XXXX, and we 3 were in a call together. The fraud department guy ( XXXX ) said it is because my funds are not verified so I can not get the money but refused to tell me how I can get the funds verified. XXXX later said I can go to a branch and get the money and XXXX pointed out that he is at the branch and there is no way I can get the money from a branch. In the end of that call, XXXX said I can not get the money from a check and it has to be the funding banks ( XXXX and my husband 's bank ) to recall the money, and he agreed to further check with the backend office and see if they can get my money verified. 

Immediately after, I called my bank XXXX to recall the XXXX, and they informed me this is not possible as it is a direct ACH transfer into the Citi account that happened 2 weeks ago and Citi has the money not them. 

On XX/XX/XXXX, XXXX from fraud department called me back and said the backend office can not verify my funds and said I had to go to the funding banks to recall the funds, and Citi will not send a check to me. I told him that I have contacted the funding banks and they said it is not possible. XXXX said he will ask the backend office again and see if there is another way.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
this XXXX XXXX credit account has been charged off. so this means that XXXX XXXX has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
this XXXX XXXX credit account has been charged off. so this means that XXXX XXXX has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
this XXXX XXXX credit account has been charged off. so this means that XXXX XXXX has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and 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 2024-02-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CIBC BANCORP USA INC.
State: CT

Complaint narrative:
First, I opened a certificate of deposit with CIBC US on XX/XX/24. I got a confirmation email mentioning that my account will start accruing interest once it is funded on XX/XX/24. I just got my monthly statement showing that it is indeed funded, however, there is XXXX interest on it. Seems like a breach of contract to me and I would like to learn why my deposit didnt accrue interest. 
Next, I was not provided an account number at the time of sign-up and subsequently, I was unable to open an online banking profile to access my funds. Additionally the customer service department is unreachable, since I called multiple times, often waiting for 1-2 hours in the hope of reaching somebody. But I was never able to get to a representative ever. So essentially my money is locked with CIBC and I have no way of accessing it, and that is quite troubling. I would like CIBC to address these by letting me access my funds, looking into why my account isnt accusing interest, and if they cant manage my funds then I would like to take my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I have filed three disputes through their website and sent my dispute via email two times. I have documentation showing that there is no debt owed as my final balance and register was paid. I attached documentation to each email and to the web portal with emails back-and-forth from the property manager showing that I owed is XXXX balance multiple months after I had moved out and that they in fact owed me a refund- national credit has never responded to any of my disputes. Will not return my phone calls and is hanging up on me when I call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I don't know The dates or amounts of each charge but this is in my credit report. 
XXXX, capital one are destroying my credit. Every charge. I am trying to resolve this identity theft issue and no one will help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to address a matter of utmost concern to TRANSUNION regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that XXXX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not recognize these credit inquiries and I ask them to be removed and the bureau did not do as I ask. Im providing a identity theft report that Im attaching to this and Im requesting to be remove because they are inaccurate and not mine

Company response to consumer: Closed with explanation