vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
RE : Formal Complaint Regarding Illegally Opened Credit Card and Unresolved Payment Issues Dear Citibank Best Buy Credit Card Department, I am writing to formally express my concerns and dissatisfaction regarding a credit card account that was illegally opened in someone elses name, with my social security and credit attached to it, without my authorization. Despite my repeated efforts to address this matter, Citibank has failed to take appropriate corrective action. I have made numerous attempts to resolve this issue since XX/XX/year>, but my concerns remain unaddressed. 

First, I made a payment of {$1100.00} towards the balance on the card, and Citibank has failed to apply this payment to the account. Despite providing proof of this payment, the credit has not been reflected, and the outstanding balance remains unchanged. 

Furthermore, Citibank has failed to remove charges from the account that I did not make. On multiple occasions, I have requested proof of the charges made to this card, including those that Citibank alleges I have made, but no such proof has been provided. The lack of transparency and refusal to supply this documentation is deeply concerning. 

In addition, despite providing proof of my payment, Citibank continues to disregard it and has refused to credit the account. The refusal to correct this error, despite clear evidence, is unacceptable. 

I have had numerous telephone conversations with Citibank representatives since XX/XX/year>, and during these calls, I have repeatedly requested adjustments to correct the errors on the account. Despite these efforts, Citibank has refused to make the necessary changes. 

As a result of Citibanks refusal to resolve this matter, I have been subjected to numerous late fees and interest charges, which have been unfairly added to the account. These unjustified fees, combined with the unresolved issues, have had adverse effects on my credit scorXXXX and reports, causing significant harm to my financial standing. 

I urge Citibank to immediately investigate this matter, remove the fraudulent charges, apply my payment to the account, and reverse the late fees and interest charges that have been unfairly added. Failure to resolve this issue will leave me with no choice but to escalate this matter to the relevant regulatory authorities. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I am filing a complaint regarding DriveTimeXXXX and their continued reporting of inaccurate information on my credit report. Despite multiple disputes regarding an auto loan account ( Account Number : XXXX ), they have failed to correct or delete the inaccuracies. 
The incorrect reporting is severely impacting my credit score and providing misleading information to potential future lenders. I have repeatedly contacted the company and the credit bureaus regarding these errors, but no resolution has been reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian did not perform an investigation. they simply updated the date of last activity on everything. There is no payment data. there is no data regarding date of last activity. they simply updated everything to XXXX without proof. it is so frustrating to have no recourse against these credit agencies. I can not send the company a dispute directly because they always claim they can not verify my information and then they make up data. this is ridiculous.

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 2024-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Student loan was taken out in my name without my permission. I contacted SCHOOL when I have received a letter in the mail went up to the school. Did a signature that they said wasnt mine did a affidavit report and a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Here we are again! here is the original complaint, which was NOT addressed, no breakdown as to why I didn't qualify for the first forgiveness. Nor an explanation as to what happened with my original terms. They responded to me with some blanket statement and today I get another ludicrous letter from them. 

FIRST - Right or Wrong under Joe Bidens initial forgiveness, I met the qualifications and was over looked, I asked for a review that never happened. SECOND - on XX/XX/XXXX I thought I had finally gotten the review I was supposed to and was notified for DEPT OF ED, that my account was put in forbearance while the review was being done. THIRD - Today XX/XX/XXXX I get a notification from AIDVANTAGE saying the new payment amount is XXXX ( from the original XXXX ) for the next 5 months then there after for the next 10 years for {$1700.00}. This number is similar to the one they presented me with last year, and I asked the same question, I don't have an extra {$1700.00} of disposable income and what were my alternatives, they told me there were none, and failure to pay could result in wage garnishment or I can file more forborances which after those are exhausted I would begin my XXXX repayment over the next 10 years. How many people will become homeless or go hungry? Before XXXX I was enrolled in a program, that my payment would be XXXX over the next 30 years and now that time frame is no longer offered. I don't know where to turn, and not looking NOT to pay, but need the original 30 year payment plans with the same offer of paying 120 payments for the loans to then be completed. I have contemplated so many things and I just don't know what else to do. AID VANTAGE literally should not be running any programs as they are incompetent, in over their heads and don't have the manpower to answer questions in a timely manner Thank you very much for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
I am a known victim of identity theft, I have submitted my information to the credit bureaus over and over for several months, including my IDs and law enforcement reports. They just ignore me and do nothing about it, and it has been way more than the 30 days by law. 

The accounts listed here are all fraud : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-09-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am unaware of this debt. I didn't have the opportunity to dispute this information. If in fact you believe you gave me proper notification then please send me the certified receipt with my signature on it stating I received it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
The late payments on my account do not correspond with my typical payment history.

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 2024-09-19 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: TX

Complaint narrative:
XXXX reported all XXXX of my student loans twice so now it looks like I owe double the amount bringing my credit scores down.

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 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EASTERN BANKSHARES INC
State: ME

Complaint narrative:
I was living at the XXXX XXXX XXXX XXXX XXXX XXXX, to avoid the XXXX of a Social Worker operating an UNLICENCED, but XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My account is again frozen and my bank debit card has been rendered inactive interfering with my setting up my new apartment at 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 2024-09-19 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: VA

Complaint narrative:
TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2024-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This was an inquire on my account as I review my credit report for this account in wrong spelling. Im not familiar an dont owe or know this debt amounts are wrong an fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year> The credit bureaus stated XXXX XXXX was properly investigated, that I did not supply enough proof. Please see my police report thar verified my complaint. Also I tried several times to upload this information on experian site and would not work. I am a Victim of fraud and identity theft and I feel that I have been treated unfairly and like a liar. This has hurt my credit and continues to cause anguish in my life. 


This is ground for removal. They also violated my rights under 15 U.S.C. 1681 SECTION 604 A SECTION 2 The law clearly states a consumer reporting Agency can not furnish a account without my written instructions. I have not given this account written permission to furnish this account on my credit report. This account is currently closed and under investigation from kohls and correcting all fraudulent charges.

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 2024-09-19 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: CA

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove these account ( s ) : 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 2024-09-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed complaint XXXX with the Office of the Comptroller of the Currency. They informed me that they are transferring that complaint to you. 

In XXXX I took out mortgage XXXX on commercial real estate from Chase. They ordered an appraisal. I was charged for that appraisal and other fees at closing and {$2200.00} was paid in escrow to cover those costs. Chase or their assignees apparently mishandled those funds and they ended up in unclaimed funds with the state of XXXX. In XXXX when I made Chase aware of the unclaimed funds, they removed {$2200.00} ( which I did not owe ) from my loan account and told me to get the money back from unclaimed funds. However, since Chase refused to issue a letter supporting my claim, I was unable to do so. Now they tell me that they will retrieve the funds from the state, but it will take months to do and they will not refund to me until that is complete. 

I have worked with my local representative, XXXX XXXX as well as XXXX from the XXXX XXXX at Chase ( XXXX x XXXX ) and others but to no avail. 

Chase should have never charged me a second time. When they became aware of the situation, they should have refunded my money and worked to correct their error, but instead they have made their error cost me time and money. 

The amount may not be large, but the precedent of allowing a bank to simply take money from a clients account with no legitimate reason is huge. Regulatory agencies exist to prevent just this sort of abuse. So, please, help me get Chase to refund my money immediately, with appropriate interest and compensation for the excessive amount of time Ive had to spend on this. And, of course, please help them correct their systems so they are not stealing from their clients in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: SD

Complaint narrative:
These companies accessed my credit report without my permission, which has negatively impacted my credit score. I reached out to Equifax, and a representative said they would remove the inquiries, but theyre still there. These unauthorized and fraudulent inquiries are causing me anxiety, as I worry I might be a victim of identity theft, adding unnecessary stress to my life and further hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: DC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA XXXX XXXX ( XXXX U.S.C. Section XXXX ) that you, the Transunion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, auto loans, and inquiries from XXXX XXXX, Account Number : XXXX, Balance {$1600.00} ; XXXX XXXX, Account Number : XXXX, Balance : {$37000.00} ; XXXX XX/XX/XXXX ( inquiry ), XXXX  XXXX XX/XX/XXXX ( inquiry ) These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being 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 copy of identity theft and fraud. I have attached a copy of FTC XXXX XXXX XXXX XXXX # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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