vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Victim of identity theft. FTC report filed and sent to Chexsystems with dispute. Over XXXX inquiries on Chexsystems in the last XXXX  years. I have applied for XXXX. Chexsystems refuses to remove these inquires even with the FTC report. Im not sure what makes them think they are above the consumer laws regarding this which requires them to block this info within 4 business days. Ive opened multiple disputes and been on the phone several times and they keep giving me generic pregenerated responses not applicable to my situation. These need to be removed immediately.

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 2024-11-10 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Company ; TD Auto finance Ive reached out multiple times requesting information every time I reach out the company sends court papers, this debt is XXXX XXXX XXXX according to XXXX XXXX state law a debt can not be collected on if written off or XXXX XXXX XXXX this account is both! If I reach out the company uses there lawyers to bully me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, 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. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2024-11-10 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: FL

Complaint narrative:
I had a XXXX XXXX  account that I closed due to fraud. I closed my XXXX XXXX account months ago however they are reporting that I made 3 on time payments and then reported that I missed a payment that cause my score to drop XXXX points with XXXX and negatively impacted my others. I have proof that I have never made any payments to any XXXX XXXX account it was closed then XXXX XXXX fraudulently reported good and bad. I have never made a payment to XXXX XXXX for anything! I cancelled this in XXXX when I no longer had direct deposit going to XXXX XXXX. XXXX XXXX fraudulently reported that I made on time payments that I never made. When I realized what was going on I called again to tell them on a recorded line that I have never made a payment because it was canceled.

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 2024-11-10 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: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. The account XXXX XXXX XXXX is removed from my XXXX and XXXX but still showing up on my TransUnion credit report. Please correct these inaccuracies on my my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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 2024-11-10 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: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. The account XXXX XXXX XXXX is removed from my XXXX and Equifax but still showing up on my XXXX credit report. Please correct these inaccuracies on my my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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 2024-11-10 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: FL

Complaint narrative:
Kindly see file attached titled XXXX  dispute letter. This letter details the dispute been filed against XXXX XXXX and the credit bureaus involved. 
Kindly see file 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 2024-11-10 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:
Kindly see file attached titled XXXX  dispute letter. This letter details the dispute been filed against XXXX XXXX and the credit bureaus involved. 
Kindly see file attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
Under 15 U.S. Code 1681c2, consumer reporting agencies are required to block information in a consumer 's file if the consumer identifies it as related to identity theft. I am requesting that the fraudulent account associated with account number XXXX, reported by XXXX XXXX XXXX for XXXX XXXX XXXX, be immediately blocked from my credit report. I have never applied for, authorized, or otherwise engaged in any transaction related to this account or residence. I have continuously resided at my current address for the past nine years, with no association to XXXX XXXX XXXX  or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was told that my account Navy Federal union account in the negative because I didn't have enough fund and that I was charged {$20.00} or more for every single overdraft from my understanding I would be charge only once for overdraft fee and that i would be charge atm fees but i was also charge atm fees from navy federal union. I didn't understand why my account was {$800.00} in the negative. I called them about it but I was told I still needed to pay that balance and Then I realized they had been charging me unnecessary charges. I have been with navy Federal union since 2018 and I know now deep within my spirits I was being taking advantage of by all those fees over the years they have closed my checking however because of the negative balance but have allowed my saving to remain I have not used the saving because they will also take that money to cover the negative balance that I should not have. It would nice for someone to look into navy Federal union on fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NJ

Complaint narrative:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.

The fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed this fraudulent account from my report at once

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 2024-11-10 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: NJ

Complaint narrative:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.

The fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed this fraudulent account from my report at once

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request for Removal of Negative Items and Inquiries from Credit Report Dear Team, I hope this message finds you well. I am writing to request the removal of three negative items from my credit report, listed as follows : XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX XXXX. XXXX , opened on XX/XX/XXXX XXXX. XXXX XXXX XXXX, opened on XX/XX/XXXX Additionally, I would like to request the removal of all inquiries associated with my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX as these have negatively impacted my credit score and my other financial decision.These negative items are in my account as i notice since XXXX. I appreciate your assistance in this matter and look forward to your prompt response. Thank you for your attention to this request. Best regards

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 2024-11-10 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal reports.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC 's, online reminder notice of credit card amount due. PNC email notice states that a {$1000.00} is due and date due posted is 3 days prior to the actual due date. This is a deceptive practice in attempt to confuse and collect moneys that are not due prior to the date due. 

Additionally, another deceptive practice, banks are posting due dates on weekend and holiday and refuse to process on line payments, although the system is automated. It has caused late payment penalties due to this misleading date due on a date the bank refuses to accept payments. This practice of requiring payments before date due is illegally increasing the interest rates on loans and credit cards. 

Are the inmates running the banking industry, or is it regulated?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2024 my Chase bank account XXXX was hacked for {$450.00} by a XXXX transaction see below XX/XX/2024 Canceled XXXX XXXX {$450.00} Important : The payment was canceled. 
Mobile number XXXX Transaction number XXXX This caused the account to be closed as well as the debit card ending in XXXX to be cancelled and the {$450.00} returned to my account. At that time account number XXXX was opened and a new debit card was issued ending in XXXX. 
On XX/XX/2024 I went to the ATM in the lobby at Chase located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX to make a withdrawal of {$800.00}. The lobby had just closed. However, XXXX and others were inside, and XXXX asked a gentleman to come help me when I told her that the ATM did not give me my money, unfortunately there was nothing he could do to help me and I never got the {$800.00}. 
When I got home the transaction was pending and the money was subtracted from my account. I hoped that when everything was completed it would be returned and was not. 
I called the XXXX number on XX/XX/2024 and the {$800.00} was returned to my account. See below Reversal : ATM WITHDRAWAL XXXX XXXX XXXX ClaimId XXXX XXXX ( ... XXXX ) Notice that the last 4 digits of the debit card is XXXX which is the debit card from the closed account. 
At the time that I was attempting to make the with withdrawal I did not realize I was using the wrong debit card. 
On XX/XX/2024 I attempted to use my debit card ending in XXXX and the transaction was denied, which. 
I did not understand because I knew that there was money in the account. Upon pulling my account up online I found that the money had been taken back see below XX/XX/2024 Claim reversal : ATM WITHDRAWAL XXXX XXXX XXXX ClaimId XXXX XXXX ( ... XXXX ) ATM transaction {$800.00} {$800.00} I then called the XXXX number again and went to the branch to dispute this because I never got the money. 
I did explain to the branch that I attempted to use the wrong debit card that account had been closed. 
So, there was no money in that account. 
ATM transaction {$800.00} Since the account was closed the money should not have come out I have uploaded the bank statements for both accounts to show the issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-10 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: AL

Complaint narrative:
My student loan was completely paid off on XX/XX/year>. My last payment was made in the amount of {$2000.00} which is the exact amount specified by the loan servicer as the full payoff amount. On XX/XX/year>, I received an email stating I have an account balance. I logged into the online platform, and there was a new balance showing in the amount of {$390.00}. The communication indicated that a payment didn't go through for this amount. However, I reviewed my payment history with Mohela, and there was never a payment for this amount. And my bank records show that every payment went through in full. I reached out to Mohela by phone several times speaking with several support agents. After a total of about 7 hours on the phone, I was able to speak with a supervisor. I was told that the balance showing on my account was due to a technical error and that the balance would be removed. There is still a balance of {$390.00} showing on my account. Suspiciously, Mohela only provides an account history that shows only payments made and does not show a running balance of the amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: AZ

Complaint narrative:
I received an email from XXXX XXXX last night and again this morning stating : A new inquiry was just added to your Equifax credit report. This could affect your score, but the change will make less of an impact over time. If you didn't give anyone permission to check your credit, then you can file a dispute with the credit bureau. 

Last night, I checked XXXX XXXX and saw a hard inquiry on my Equifax report for XXXX dated XX/XX/XXXX. I did not apply for any credit with XXXX. I was unable to reach a representative with XXXX last night so I called Equifax this morning and was advised to file a report with the FTC. Before filing this report, I reached out to XXXX. They said they would cancel the application and remove the inquiry from my credit report. They also suggested that I call Equifax back and request a credit freeze.

Company response to consumer: Closed with explanation