vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agencies, 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. These fraudulent accounts consist of XXXX personal credit card accounts opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-18 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: U.S. BANCORP
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Called the credit bureaus and company ask them to Remove filed an FTC report ref # XXXX XXXX XXXX file number # 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 2024-11-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ive reached out to this company multiple times about updating the information on my credit report, company never sent any information regarding my issue, this debt is well over 7 years. I had this loan for over 2 years never made a late payment the vehicle was stole and crashed the insurance company paid blue book value of the car, there was a couple thousand the insurance company didnt pay an they put it on my credit report, there was a warranty in place that was suppose to pay out the money left over but never got any information from XXXX. North Carolina state law is a written off debt has to be removed after 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ive reached out to this company multiple times about updating the information on my credit report, company never sent any information regarding my issue, this debt is well over 7 years. I had this loan for over 2 years never made a late payment the vehicle was stole and crashed the insurance company paid blue book value of the car, there was a couple thousand the insurance company didnt pay an they put it on my credit report, there was a warranty in place that was suppose to pay out the money left over but never got any information from XXXX. North Carolina state law is a written off debt has to be removed after 3 years.

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 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I am submitting a complaint on Citi bank, they closed XXXX my credit cards without any warning or reason. I have tractor supply credit card with citi bank and citi XXXX XXXX credit card. I was able to use my cards previously without problem, I was doing my payments on time. I haven't received any letter, I haven't received any paperless notification in my online banking and I checked my accounts yesterday and saw that they are closed. Please help me understand why they closed them and help me to reopen it. I suspect that they did it because of my ethnicity, because there were previous cases when they would close cards of Armenian customers. Please help me, if I know earlier that they behave this way to their customers I would have opened card in another bank, but as I have already opened card with them I want them to be reopened. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have an open case w/ Ally Bank but this is in addition to that. XXXX In order to register my car I need them to send a verified title to the Illinois XXXX XXXX XXXX. I have called so many times. They do not return phone calls. I have left them messages on XXXX and they say someone will call and they don't. I must get the info this week or the car will not be driveable due to no plates. Please help me. 
Here 's a sample of the XXXX messages I've sent in the last 10 days. After XXXX months they did solve the issue with not being able to make payments but I don't have time to wait another XXXX months to not be able to register this car. 


XX/XX/scrub>XX/XX/XXXX XXXX XXXX sent I have left messages twice for XXXX this week and he has not gotten back to me. I have an issue that has been going on since XXXX. I have already filed one complaint with the consumer financial protection agency and Im about to do another since I cant register my car due to your neglect. 
XX/XX/scrub>XX/XX/XXXXXXXX Ally Ally Not what we like to hear, XXXX XXXX Please send us your full name and phone number, so we can help. XXXX Wed XXXX You sent I have now left my third message in a week with no contact back. I have XXXX weeks left of getting what I need or my temporary license plates expire. Here is what I need ASAP : Please send a copy of the title directly to the facility ( not my home address - it MUST go directly to them or they won't accept it ). Addressed to " XXXX of XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Attn : XXXX Department. Include my phone number in the package. XXXX. Please provide the tracking number as soon as it is sent. XXXX XXXX, XXXX, account # XXXX, phone number XXXX XXXX XXXXXXXX Ally Ally Understand your frustration, XXXX XXXX We've passed your contact information along to our team and someone will be in touch soon. XXXX XXXX You sent Hi- I'm now at my XXXX message left for XXXX at XXXX XXXX. I've sent multiple messages here on XXXX and I've received no calls back at all. PLEASE HELP! I MUST get info this week. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX I woke up to a large deposit of {$11000.00} in my XXXX checking account. 
Having no idea where the money came from, I eventually tracked it down. 

It was from a " Flex Loan '' from Citibank that was issued to me through my credit card. 
I never opened this loan. I never requested it. I don't even know what a flex loan is. 

I also happen to have about {$19000.00} in credit card debt from Citibank already, so getting a loan is the last thing I wanted or needed. 

So I called customer service and explained the situation and say that I'd like to give back the money and close this loan that I didn't open or request. Even XXXX. A wash. But I was consistently denied. 
They did issue my a new card, opened a fraud case ( nothing ever happened ). 

Also, this happened with my old card, not my current one. 
I don't have that card number any longer. 

Thus begins my journey. 
Since the beginning of XXXX I have spoken to Supervisers, Executive Response Team, Customer Service; anyone I can. 
I was consistently told that I can't close the account, even if I pay back the money. Since I'm in debt already, the money would go to towards the debt I already have. 
I did pay it back, because I just didn't want it. 

NOW, I pay interest on this loan. My monthly payments have increased. 
I personally feel as if I am being robbed. Citibank is just taking my money every month on a loan I didn't ask for, and no longer have. 

When I tell you I have spoken to every department I possibly can, I am not kidding. 
I am attaching the response from the " Executive Response Team '', which doesn't quite relate to my issue. 

I'm also sending partial copies of a few of my bank statements. 
You can see in XXXX, when I didn't have the loan that my payment was around {$250.00}. 
My interest payments weren't that bad. 

However, in the other two, you can see the Citi Flex Loan XXXX, with {$130.00} interest in XXXX, {$120.00} in XXXX and {$83.00} in XXXX. Plus the flex loan payment of {$270.00}. 

I am at my wits end. 
I can't afford this. I have debt elsewhere as well. I can't keep giving Citibank money. 
I feel as if I am talking and no one is listening. 

I was told time and time again that the Executive Response Team are the people to call. 
I have done that. No help. I filed another complaint. Still waiting to hear what they say, but the agent I spoke to wasn't very helpful. 

Please help I don't know where else to turn, or who to call. 

All I want is my money back, and to get rid of the loan. 
Until then then I will continue to pay a lot more interest that I need to. 

Look forward to hearing from you. 
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 2024-11-18 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I can obtain the bank records of the exact amount of charges from ATM 's that I have had from various banks ; including Navy Federal which caused me to go into overdraft. I had direct deposit. I would like to be reimbursed for all of the monies that I lost pertaining to the {$95.00} XXXX dollar class action lawsuit. Thank you in advance for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: IN

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer 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 2024-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
I had gone through a loss mitigation process because I had some financial difficulties. During the process I was locked out of my account and could not access online documents or the payment portal. Upon completing the loss mitigation, the only communication I had was with the person assigned to my case. I'm XX/XX/year> I received an email from the worker starting that my payments would resume in XX/XX/year> so I waited and made my payment, upon making my payment I found out that they had resumed my payments on XX/XX/year> which put me a month behind, gave me late fees, and a ding on my credit report. Unfortunately I have not been able to come up with that much money to cover that cost and the company will not correct the situation, so I have been a month behind collecting late fees and watching my credit score go lower and lower, despite making my payments on time ever since I was told to start making my payments. This situation has caused severe harm to my credit and my mental and emotional health. I have gained better financial stability but still feel I should not be responsible for the situation they put me in, and I can not afford to pay what they expect me to pay. They need to take responsibility for their actions and correct this mistake that has caused me a lot of harm. This is not fare and should not be taken lightly. I'm the end it was nearly impossible to get a reply, and I was told that there was nothing I could do and they would not correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Called again XXXX on hold over 30 min with a XXXX in ALABAMA , asked for a manager and she failed to transfer me to a manager, but transferred me to XXXX  when I specifically asked for a manager, I could tell this person wasn't qualified to speak for a manager, asked for her title, she couldn't speak, was silent for a min bc she & XXXX were misrepresenting BOA as a managers, I asked 3 times ... you are a manager? she finally answered and I asked AGAIN ; I would like to speak with a manager. Finally transferred to XXXX or XXXX, or XXXX after going over the story AGAIN, XXXX BOA refused to file a claim and well aware of the same comp Fineday XXXX sending another transaction on XXXX as he she stated ai need to file a claim and hung up on me, How many hours should I spend with XXXX  of America? Where does it state within the banking and financial institutions, where CLAIMS have to be file online ONLY? Due to being treated unfairly I demand XXXX credit to my account and an apology. As soon as my funds are available I plan to close this account as Im sick and tired of the constant incompetence, ugly attitude, poor cs, having to hold long extended time to get assistance because they refuse to assist. They also charged me XXXX insufficient fee when I called on Fri rep informed me that it would be credited, BE ACCOUNTABLE for your actions. I called on this atleast 6 times as Im not calling anymore!

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