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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Request for Removal of Credit Inquiries Dear Credit Reporting Agency, I hope this message finds you well. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am writing to request the removal of all negatives items, inquiries from my credit report. As a XXXX XXXX I am often faced with challenges related to my financial decisions, especially when applying for credit. Unfortunately, I did not initially understand how to effectively manage my credit, which resulted in multiple inquiries that have now negatively impacted my credit score. Having since educated myself on credit management, I have developed a better understanding of how to maintain and improve my credit standing. To move forward with renewed discipline and responsibility, I kindly ask for the removal of all inquiries from my credit report. This will allow me the opportunity to start fresh and make informed financial decisions. Thank you for considering my request. I appreciate your understanding and support as I work to improve my financial situation Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX ; XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XX/XX/XXXX, XXXXXXXX XXXX Credit Report - XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
these hard inquiries are fraudulent and and doesnt belong to me and need to be removed also XXXX  XXXX  as well thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal credit union posted my transactions out of order and took longer to post certain transactions which then caused me to believe I had more available funds so I continued to purchase but then they posted all transactions days later all at the same time which then caused me to overdraft

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/XXXX I made a decision to take my student loans that had been serviced by XXXX  and XXXX XXXX ( which was a cosigned loan for daughter ) and transfer them to XXXX I had been paying for these loans some for XXXX years and still am. My daughters with XXXX XXXX had an XXXX percent interest rate and she was out of a job never able to get her degree with covid. Navient told me I would not likely pay these off in my lifetime. I spent weeks of my time on the phone. I had so many forbearances that they were quick to offer. I paid on these as well for years and owed more that double that my loan was for. Some of my loans were XXXX when my son died that I had also cosigned for. I financed XXXX with XXXX XXXX  for a much lower interest rate. I left XXXX loan with XXXX since I was told that one was not private. My hope was to consolidate that XXXX with my loans for my XXXXXXXX XXXX and be able to could my XXXX  payments and get that forgiven. After I graduated they informed me that was a private loan the original loan was about XXXX and I now owed over XXXX. This was after XXXX plus years of payments. I asked for proof it was private and was sent XXXX different promissory notes XXXX showing it was private the other not. I spent many hours trying to get this loan addressed and paid on it. I spoke to many people after having hours ( not exaggerated ) hold time. Was not able to sign into website. XXXX of the men I spoke to told me I should find a way to pay it off since I would never get it paid with the interest rate. I went into my work XXXX and took a loan to pay it off which I am still paying off through my paycheck of XXXX. I am currently paying XXXX a month in student loan payments and will be turning XXXX in XXXX of XXXX. I have XXXX in student loans from my XXXX rate which I should have been able to consolidate into this loan and have all forgiven. My friend I was in school with did. I have paid for these loans 5 times over and the truth is I will probably die paying these. These student loan providers made everything so difficult except for a forbearance. When I heard about the XXXX lawsuit I couldn't believe it. I spent years before I transferred the first XXXX to XXXX XXXX  dealing with them and did not want to take the loan from my savings. I still owe about XXXX in loans. My original debt was about XXXX. This is after so many years of paying. This is the story people dont understand about what has happened with student loans.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing inaccuracies on my Equifax credit report. After submitting multiple disputes directly to Equifax, they have verified the information without providing any supporting documentation. This lack of documentation does not meet the Fair Credit Reporting Act ( FCRA ) requirements under Section 1681i ( a ) ( 1 ) ( A ), which mandates a reasonable reinvestigation of disputed items. There are discrepancies in reporting between Equifax and other bureaus regarding balances, charge-off dates, and payment histories, suggesting potential errors. I am requesting a thorough review and correction of these discrepancies to ensure accurate reporting. ''

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have multiple inquiries on my Transunion account that are not connected to an open account on my credit report. These hard inquiries are unauthorized and inaccurate due to the fact I had no knowledge of them and did not apply to obtain credit or financing.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I logged into my Bank of America XXXX portal and noticed that XXXX of my credit cards has been shut down. I havent received any messages or notifications electronically nor via mail to explain this sudden change. I call BoA today XX/XX/year> at XXXX XXXX  to get some insight on this and come to find out that both of my credit cards have been closed down. I am absolutely shocked that this happened and can not think of any reason why given that I was just able to use my credit cards a few days ago, paid off my balances, and have always been in good standing with the bank for close to a decade. The representative refuses to give me an answer despite me pleading multiple times for some kind of insight. She instructs me to call XXXX because their decisions to close is dependent on the reports from the credit bureaus. I call XXXX immediately for some answers. Together we analyze my report and find absolutely nothing wrong with my credit- nor any changes that would instigate closing down my cards. 

XXXX of the XXXX cards that got wrongfully closed is my longest credit card. Ive been a customer of BoA for 9 years, close to 10 years. I got my very first credit card from them and have worked really hard to build up a good XXXX XXXX and history. To have this hard work just disappear overnight with no explanation- and from a bank I have such a longstanding relationship with - is absolutely despicable. Ive been a preferred client with the BoA for a number of years given my loyalty and good financial standing with the bank. 

Regardless, I believe these shutdowns were done in error and XXXX imploring CFPB to help facilitate appropriate communications between BoA and me to correct this error and reinstate my credit 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 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modifed or deleted from the file of the consumer. I Please remove the following items from my credit report, immediately : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I have been trying to log into my Gemini account for a months now. I have reached out to them, they requested information which i sent and then there was no response. i still can not log into my account. 
It says my password is incorrect. i forget password and they send me a code to my email which i enter. This takes me to a next page where it says i am to " enter the we sent to '' but there is no number there, it is just blank! I need to log in to withdraw my funds. Please help

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXXXXXX XXXX XXXXXXXX, 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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
On XX/XX/year> before the XXXX XXXX  EST deadline I made my {$40.00} payment to Indigo card online on their website https : //indigo.myfinanceservice.com/ from my checking account and received an online confirmation of the payment having been submitted successfully for which I have a witness. Instead of showing my payment as having been submitted, Indigo Card issued by XXXX XXXX  fraudulently not only doesn't show any record of the payment having been submitted but is also asking for {$80.00} which 2 months of payment, for XXXX & XXXX, and has charged me a {$39.00} late fee. Indigo card has also billed my account for the interest charge, for monthly usage fee ( which was imposed after I had been a customer for 10 years ) and credit protection fee. Indigo credit card - XXXX XXXX  is committing fraud. First, Indigo card does not show the payment as submitted online and doesn't show any record of a payment having been made online until the amount has been debited from the account- this is a violation of Federal law. The payment HAS to show as submitted even if the amount is not applied to the balance until it has been debited. Second, by fraudulently denying submission of a timely payment, Indigo card then bills you a late fee. This is a violation of Federal law. By billing a late fee Indigo card denies the user from using any available credit until the late fee is removed and all charges ( interest, credit protection & monthly usage ) have been billed. More importantly, Indigo card falsely inflates the amount on which interest charges and credit protection fees are incurred or applied! This is a violation of Federal law. Additionally, the non-payment and ( falsely ) increased balance and credit usage shows on the card holders credit report as an adverse entry. Indigo card- XXXX XXXX is defrauding consumers and must refund all fees, interest and charges billed to the accounts & recompense me/ consumers for all the consequences arising from the above & adverse credit/ financial reporting & entries immediately .

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of a charged-off account that appears on my credit report. The details of this account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Account Type : Revolving account ( Credit Card ) Bureau Code : Individual account Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/year> Balance : {$8400.00} Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that may be inaccurate, incomplete, or unverifiable. I am requesting that you conduct a thorough investigation of this account with XXXX XXXX  to verify its accuracy. If this account can not be fully verified with all required supporting documentation, please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to access my Equifax report via XXXX I received an error page when doing so with an error code of XXXX  and a phone number to contact. When I called the number, I was told I had to mail in verification documents and that there was no online portal. 

During a routine XXXX search to attempt to find a form, as well as a cover letter template for issues related to error code XXXX I discovered a internet forum that discussed the issue ( XXXX XXXX XXXX XXXX ) which leads me to believe that mailing in my verification documents would be ultimately fruitless. 

Other links on the internet seem to support this conclusion as well, which I will link below this paragraph. 
https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX While I will indeed do this as a formality, there appears to be evidence to indicate that this company does not operate in good faith and is notoriously bad at updating consumer information. The internet XXXX XXXX seems to extend as far back as XXXX and is likely a familiar issue for the CFPB. 

It is also possible that a legal name change in XXXX has caused an issue with this credit bureau, and no other. To this end, I have attached not only the requested verification documents ( XXXX XXXX XXXX ) but also a copy of the certified court order granting me my name change. Copies of my Driver 's License, last XXXX XXXXXXXX XXXX statement, Passport, and Social Security are also attached to this complaint. 

I trust this is sufficient information for the CFPB to produce a fair resolution to this issue. Thank you. Take care and be well.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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