vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armstrong and Associates, Inc
State: AL

Complaint narrative:
Today XX/XX/year> I received a letter stating I agreed for my account to be direct debited for XXXX. I have not submitted any authorization for this. I called Armstrong & Associates and asked who authorized this, the operator replied we spoke to you on XX/XX/year> and you did. I never authorized anything they called and I answered and told them to learn how to pronounce my last name and try again. The call was 14 secs long. I next asked what account they planned to debit and he said a visa ending in XXXX. That matches none of my cards. They are not obtaining proper authorization to direct debit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
They sold these accounts to XXXX and even though theyre paid they are still reporting them as delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: FL

Complaint narrative:
There are inquiries on my credit report from various companies that i never contacted and i am demanding the removal of them from my equifax 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INDIANA XXXX XXXX XX/XX/year> Dear EXPERIAN, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed are longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX {$720.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT, AND I AM REQUESTING THAT IT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 

Sincerely 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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-18 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: AL

Complaint narrative:
Incorrect birthday on Experian. 
Incorrect Names on XXXX 
Incorrect address and name on XXXX. I am aware of being able to sue them for incorrect items reporting. I reached out several times to no avail. Several collections on my account whom I have never heard of as I did not do business with these individuals. I am attaching my DL and a bill to update addresses.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I was told XX/XX/XXXX that the reason my account was restricted by XXXX XXXX XXXX XXXX is because a teller called Citizens bank and was told that the check that I submitted into my account may have been altered. However I was never asked to provide proof that could prove the validity of my check nor was I told in person that this was the reason why my account was placed on hold. I have now acquired all of what I believe to be irrefutable evidence of the validity of the funds in my account and will submit it along with this complaint and an explanation of each piece of evidence. On XX/XX/XXXX I received two XXXX XXXX XXXXXXXX cashiers checks, one in the amount of {$50000.00} and another for {$15000.00}. I still have the customer copy number that can be seen in the evidence provided for the {$50000.00} Check. On XX/XX/XXXX I deposited both checks in the amount of {$65000.00} into my Citizens Bank checking account. The teller, bank, and branch numbers are all visible in the picture provided along with other necessary information. I will include a photo of the account after I made the deposit as well. On XX/XX/XXXX I was sent a letter from Citizens Bank stating that my account will be closed and I will be mailed a cashier 's check in the amount of my account balance ( {$65000.00} ) no XX/XX/XXXX. When I received the check from Citizens Bank, in the amount of {$65000.00}, I deposited into my XXXX XXXX XXXX XXXX account on XX/XX/XXXX. XXXX said the funds would be available in the account after 5 days so that the check could be reviewed. However, I was sent an email saying that my deposit would be delayed because they believe the check would be uncollectible, and if the issuing bank does pay the full amount of the check then I can expect to receive my funds in 5 business days. However, I have not had access to the funds yet and have been told that a Citizens Bank representative said my check has been altered. When I tried to contact Citizens bank about this problem I was given no help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Like many Americans I was a victim of the Equifax data breach, I have already experienced several issues with my personal information being stolen. These accounts are still inaccurate, unverifiable, and unvalidated and need to be corrected or deleted immediately. Please also make sure these items are in Compliance. Also pursuant to 15 USC sections 1681d of the act please notify me when the items have been deleted. Also, send me documentation that was provided prior to the items being reported, that gives me right to opt-out of my information reporting to a non-affiliated third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am writing to report a serious financial issue that I have encountered with Navy Federal Credit Union. On XX/XX/2023, I was the victim of a vishing scam where unauthorized individuals accessed my account and conducted multiple fraudulent transactions without my knowledge or consent. Despite my repeated attempts to dispute these transactions with Navy Federal, they have unjustly denied my claims and appeals and held me responsible for the unauthorized activities. As of XX/XX/2023, Navy Federal is now reporting delinquencies on my credit reports for the transactions resulting from identity theft. 

I have attached screenshots of e-messages, forgery declarations, and call logs documenting my interactions with Navy Federal, including the dates of telephone contact to report the claims, appeal their denials, and request second reviews. Additionally, I have included bank statements, transaction records, identity theft reports, and credit reports to support my case. 

The fraudulent transactions include cash advances on my credit cards, a personal loan taken out using e-signature, a member-to-member transfer, and funds sent via XXXX XXXX under duress. These actions have put me in a precarious financial situation, jeopardizing my ability to achieve my goal of purchasing a home in the near future. 

I urgently seek your assistance in investigating this matter and helping me resolve the dispute with Navy Federal Credit Union. I respectfully request a thorough review of my case and a favorable outcome that protects my financial interests and rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My three student loans from XXXX was completely paid off on XX/XX/year> in the amount of {$8300.00}. I received two different emails from them saying the loan is completely paid in full and there is a zero balance. 

In early XXXX, I contacted Experian Credit Report company and filed disputes online to get these accounts corrected and they continously closed the disputes without giving me any explaination as to why. I sent them copies of both emails I received from XXXX saying the account was paid in full and closed. They refuse to correct my credit report which still says I have three different XXXX accounts with three different balances. My total credit amount for student loans on my credit report says I have {$15000.00} in student loans and I actually only now have {$6700.00}. I have called Experian several times and they never help me, they just say " I'll open a dispute '' which does nothing because it's closed the following day with no corrected actions or explaination to me. I am now going on two months trying to get my credit reports corrected and I have no follow up or solution for this.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX disputed debt collector XXXX XXXX XXXXXXXX number XXXX through CFPB, I asked for CERTIFIED mail receipt with my signature notifying me of the debt. I highlighted their response, and failing to notifying me in 5 days which is a violation, ( no certified mail receipt with my signature ). also this alleged debt has address that I have no association with, also a violation. please reinvestigate and see attachment below. due to failure of investigation, with my finding. if you have any question please email me or contact me at 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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I came across an offer from Bank of America for a credit card with low balance transfer rate so I decided to sign up for one on XX/XX/2024. I was approved that same day. 

When I sign into my new credit card account, balance transfer isn't available to use, and system keeps telling me to contact the customer service. Fast forward the next few days, I received a notice saying that my new account is completely restricted for unknown reason, it just gave me a number to call. I reached out to BoFA, the rep didn't provide much help except he said the system doesn't even let him do anything or verify me using my phone number and it's a mess. This incompetence from BoFA now requires me to travel 30 miles away to a branch to see someone in their office to get my credit card unlocked. It is a hassle because their service hours are between 8-5 and those days I can't take off work to get their problem resolved for my account. I asked the rep to just cancel my application then but he refused. BoFA is playing with my credit and keeping it XXXX. Either unlock my credit card account and let me use the balance transfer as advertised or cancel it and revert the impact on my credit.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief