vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have XXXX unauthorized hard inquiries on my TransUnion credit report 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 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This company closed my bank account for no reason, I didnt violate any bank policies or agreements and they are holding my money and are not releasing it 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 monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Hello I spoke to several representatives before XXXX about a forbearance. The system stated I used 3 months out of the 12 months available of forbearance. I made on time payments in the year XXXX which they claimed I used. 

Nobody followed up with me to fix the forbearance error since I never used the 3 months so I should have 12 months available instead of XXXX. 

Is that a glitch?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I hope this letter finds you well. I am writing in response to your communication dated XX/XX/2023 in reference to my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023. I appreciate your prompt attention to this matter and the thorough review conducted by BMO Bank N.A. 

Acknowledgment of BMO 's Response : I acknowledge the details provided in your response regarding my request for a refund of {$170.00} and BMO 's assertion that a check was issued to me on XX/XX/2023. I appreciate the effort made to investigate the matter. 

Dispute Regarding Check Status : While I understand BMO 's position, I must reiterate that I have not received the check in question. Despite your confirmation of its issuance, I remain unaware of its status and, to my knowledge, it has not been delivered. I kindly request further clarification or documentation to substantiate the issuance and delivery of the check. 

Concerns about Affidavit and Compensation : In response to BMO 's mention of the Lost Affidavit Indemnity Form, I must express my inability to sign the affidavit due to the lack of information about the check 's status. Signing such a document without adequate knowledge poses a legal and ethical challenge. 

I must respectfully dispute the denial of my request for a {$200.00} compensation. The circumstances surrounding the lost check are unique to my situation, and I believe a fair resolution should be considered to address the inconvenience caused. 

Legal Considerations : Regarding the legal aspects of this matter, I would appreciate your clarification on whether it is within legal bounds for a credit card company to withhold a customer 's funds. Additionally, could you please provide information on the legal requirements for a credit card company to return money to its customer in a situation where a check has been issued but not received? 

Request for Thorough Investigation : I kindly request a thorough investigation into the issuance and delivery process of the check in question. Additionally, I urge BMO to provide any documentation or evidence that supports the claim of the check being sent to me. 

Conclusion : In conclusion, I appreciate your attention to this matter and request a prompt resolution. I am open to further communication and clarification to resolve this matter amicably. However, if a satisfactory resolution can not be reached, I may have no choice but to explore other avenues to protect my rights. 

Thank you for your understanding, and I look forward to your prompt 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 monetary relief
Consumer complaint received 2023-12-09 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: TX

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the information associated with my account. I believe it is essential to bring this matter to your attention and request prompt resolution to rectify the issues I have encountered. 

I first noticed discrepancies in my account information and immediately contacted your customer service department to address the issue. I provided the necessary details and was assured that the matter would be resolved promptly. 

Despite the assurance, the issue persisted. I made a follow-up call to your customer service, explaining the situation again and expressing my concern about the delay in resolving the issue. 
Regrettably, the problem remains unresolved despite multiple attempts on my part. The lack of progress has caused considerable inconvenience, and I am disappointed with the level of service I have received. 
I understand that errors can occur, but the repeated failures to correct a straightforward issue have raised serious concerns about the efficiency and effectiveness of your customer service process. As a valued customer, I expect a higher standard of service and a swift resolution to this matter. 


I request an immediate and accurate correction of the information associated with my account, ensuring that all details are accurate and up-to-date. 
Investigation I urge your team to conduct a thorough investigation into the root cause of these repeated errors to prevent similar issues from arising in the future. 
Communication I expect clear and timely communication regarding the steps being taken to rectify this situation. Regular updates on the progress of the resolution would be greatly appreciated. 
Compensation Given the inconvenience and frustration caused by these repeated errors, I request fair and appropriate compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a loyal customer, I believe in the importance of maintaining a positive and constructive relationship with your institution. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX Balance Owed : {$0.00}.

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 2023-12-09 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: TX

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the information associated with my account. I believe it is essential to bring this matter to your attention and request prompt resolution to rectify the issues I have encountered. 

I first noticed discrepancies in my account information and immediately contacted your customer service department to address the issue. I provided the necessary details and was assured that the matter would be resolved promptly. 

Despite the assurance, the issue persisted. I made a follow-up call to your customer service, explaining the situation again and expressing my concern about the delay in resolving the issue. 
Regrettably, the problem remains unresolved despite multiple attempts on my part. The lack of progress has caused considerable inconvenience, and I am disappointed with the level of service I have received. 
I understand that errors can occur, but the repeated failures to correct a straightforward issue have raised serious concerns about the efficiency and effectiveness of your customer service process. As a valued customer, I expect a higher standard of service and a swift resolution to this matter. 


I request an immediate and accurate correction of the information associated with my account, ensuring that all details are accurate and up-to-date. 
Investigation I urge your team to conduct a thorough investigation into the root cause of these repeated errors to prevent similar issues from arising in the future. 
Communication I expect clear and timely communication regarding the steps being taken to rectify this situation. Regular updates on the progress of the resolution would be greatly appreciated. 
Compensation Given the inconvenience and frustration caused by these repeated errors, I request fair and appropriate compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a loyal customer, I believe in the importance of maintaining a positive and constructive relationship with your institution. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX  Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I also respectfully request the Capital one provide specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time of is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
items on my consumer report that's is creating adverse negative implication on my financial life to grown

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I spoke with the manager she told me I had to make a payment by XX/XX/XXXX to keep my account from getting charged off at least {$40.00} so I made a {$40.00} payment on XX/XX/XXXX, my husband passed away XX/XX/XXXX, so I was kind of late because life circumstances I want to make a payment and XXXX and they told me my account was charged off. My account was charged off illegally I was not 120 days past due. They reported it wrong on my credit report and I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: TX

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress 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 2023-12-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally submit a complaint against Equifax concerning their lack of response to my dispute regarding inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted Equifax regarding the following incorrect details on my credit report. Regrettably, to date, I have not received any response from them. 

Details of the Inaccurate Information : Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I assert that the mentioned account does not belong to me, and I request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: FL

Complaint narrative:
XXXX debt collector has not provided me proper debt validation for this aege debt. Please delete this from my credit report. I am unable to file a dispute online

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 2023-12-09 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: NY

Complaint narrative:
I have a problem with not changing or updating my documents with XXXX and TransUnion!!! 
Not showing up on the internet screen when companies do an credit report!! 
They see derogatory information when I'm receiving 10 documents being deleted, it's been a long XXXX XXXX and XXXX and TransUnion still hasn't updated, the internet correct updates that deleted all the negative information!! 
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 2023-12-09 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: OH

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: Kriya Capital, LLC
State: NJ

Complaint narrative:
I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XX/XX/2023 I place an order for a mobility chair with XXXX for {$42.00}. After ; waiting for quite a while, I finally received notice from USPS that my item was undeliverable and to come to the Post Office to pick it up. The reason they couldn't deliver it was because the sender did not include postage for it. When I got to the post office they showed me a small padded envelope that contained a box the size of an index card. I would have to pay {$5.00} postage if I wanted to take the package. Knowing it wasn't a mobility chair I declined and the PO didn't offer me anything to show that I declined the small package. On XX/XX/XXXX, I called Capital One to file a dispute on the purchase saying I had not received what I ordered. Capital One immediate gave me a temporary credit for {$42.00} on my Capital One card. On XX/XX/XXXX I received an electric correspondence from Capital One that they had requested further information on the transaction and I didn't respond. I did not receive a request for further information. Capital one then reapplied the charge of {$42.00}. I had to scan and digitize the info I had and send that back to them. I received an electronic notice from them that the information I had sent did not fulfill their requirements to receive a credit. I had made phone calls all through this to see what I needed to do. My problem is that Capital One advertises any problems with purchases they will work with me to get an answer. In the meantime, the only way to correspond to XXXX was through email and the last few attempts would not go through. Capital One said to contact the company for further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have XXXX public student loans that transferred from Nelnet to XXXX in XX/XX/XXXX. The total amount of these loans is {$180000.00}. I reviewed my credit report after being rejected from refinancing private loans I hold and discovered that the Nelnet loans that were paid out and transferred to XXXX were listed as open. Due to this error, my credit report incorrectly shows I have an additional {$180000.00} in debt. 

I contacted both Nelnet and XXXX to try to remedy the issue. First, I contacted Nelnet through their online portal but was told that there was no issue with their reporting. I had not included my credit report because their online reporting function does not provide the option. To remedy this I sent, through certified mail, a copy of my credit report which showed the XXXX loans as open, the payout statement from Nelnet, and a statement from Nelnet stating my loans would be transferred to XXXX. This file was sent on XX/XX/XXXX and I received the confirmation of receipt by Nelnet on XX/XX/XXXX. I have not received a response from Nelnet on this issue as of XX/XX/XXXX. My credit report currently lists these Nelnet loans as open and the report shows the last update from Nelnet is XX/XX/XXXX. 

I sent XXXX the same information as well. I received a response that there are no issues with the active status and as such my credit report still lists the Nelnet loans as active and shows that I have an additional {$180000.00} in debt that is just my federal student loans duplicated. 

I believe that this inaccurate reporting XXXX have impacted my ability to refinance private student loans. 

I have attached the information sent to both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: TN

Complaint narrative:
I was a victim of equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation