vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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:
XXXX has been false reporting my credit for the last XXXX -years in a row. They have been contact several times as the inaccuracy of the practice of reporting after my car accident they were paid and settled out and they continue to report well past the payoff and turning my account in to a charge-off creating a removal date of XX/XX/XXXX creating several denials for automotive applications as following : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( denied ), XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX listing a collateral of XXXX XXXX " XXXX XXXX '' my car was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX on XX/XX/XXXX, XXXX XXXX XXXX  # XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX Reference # XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX at a XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX {$31000.00} XX/XX/XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Score XXXX, XXXX XXXX XXXX XXXX score XXXX on XX/XX/XXXX XXXX XXXX XXXX  # XXXX on XX/XX/XXXX, By turning account into a charge-off they are able to keep account on the credit report inaccurately

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 2024-03-06 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: GA

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. these are the accounts : Creditor : XXXX Account 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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX dollars in overdraft fees were withdrawn from my account. I did not owe that in fees..please can someone review my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I purchased XXXX through XXXX, via XXXX, through XXXX. I made multiple attempts with multiple credit cards to complete the transaction. The third attempt with my TD Bank Cash Credit account was accepted. I was not told by the exchange processor prior to the transaction that the transaction would be subjected to cash advance protocols. I purchased {$30.00} worth of XXXX on XX/XX/24. I was assessed a {$10.00} cash advance fee by TD Bank on XX/XX/24. I made a payment towards the entire balance of the account on XXXX. I was assessed another fee, that was not clearly described, on XX/XX/24. I contacted customer service on XX/XX/24. The fee was not easily described. The fee was reversed. It is my understanding that the purchase I completed was assessed a flat and rate fee as a cash advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
For years I have been illegally charged for overdraft fees. I have had a successful relationship with wells fargo for the past 6 to 7+ years and year after year they take {$35.00} from me when I am overdrawn. I always make sure my account gets back into a current good status. I am not sure why Im being treated this way. It is not right as a hard-working, American citizen and something should be done about this, I get over {$8000.00} a month and both my checking and business account so I have money going into their banking system which they loan out on the backend and Im being charged for simple human error.

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 2024-03-06 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: DC

Complaint narrative:
We contacted Citi after receiving notice our address had been changed. We did not make the change. During investigation, Citi confirmed unauthorized access to our account. At this point, our online access was frozen, and we had no way to check charges or balances. 

Citi eventually closed our credit card account without informing us. That is we did not request the closure, nor know about it beforehand. 

Our account had {$990.00} in cash-back rewards at the time of the closure. Citibank did not credit these reward points before closing our account, and now refuses to reimburse us for the reward points. 

Citibank states that once a credit card account is closed, any reward points are forfeited.

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 2024-03-06 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: GA

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. these are the inquiries : 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 2024-03-06 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: NC

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 XXXX out of XXXX 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. these are the accounts : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account 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 2024-03-06 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: Security Credit Services, LLC
State: TX

Complaint narrative:
Please do not close this dispute as I do not accept the response To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. 
In addition please provide the contract signed between XXXX XXXX XXXX XXXX XXXX XXXX XXXX notarized and sworn under penalty and perjury for XXXX XXXX XXXX ability to collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: GA

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. these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
I submitted the PSLF Manual Application to MOHELA to have my eligible payments updated and reflected towards my forgiveness. The application that was submitted on XX/XX/XXXX was processed. After reviewing my progress, I noticed that I had two loans 13 DL and 14 DL that needed to have eligible payments reflected because they had one payment needed for discharge. I submitted an additional PSLF Manual Application to MOHELA that was certified by my employer, signed and dated XX/XX/XXXX. There is no limit to how many PSLF Manual Applications that can be submitted if they are certified and dated by employer. On XX/XX/XXXX, I received notification that they did not process my application and update payments because they stated it was a " duplicate application. '' The application is not a duplication but a submitted new application for processing. MOHELA should have updated the account to reflect eligible payments for the XX/XX/XXXX application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is still reporting incorrect information on my XXXX account and had the nerve to say they verified which is a blatant lie to you.. i lodged the same dispute with XXXX  on the same day XXXX investigated and returned with a XXXX balance transunion is operated in violation of the fcra.

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 2024-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: DE

Complaint narrative:
The car taken in XX/XX/2023, I wrote American Honda financial I wrote wrote the all the credit bureaus included this company with all the law violating and nothing had happen yet. Im the beneficiary and surety of this account although you might have titles. I have equitable interest which outweighs anything that you might have. Im Surety, delete this accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  accounts has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

Collection Agency PROCOLLECT  INC Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number XXXX XXXX Original Amount Owed {$2600.00} Creditor Classification Rental or Leasing Amount {$2600.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Contact PROCOLLECT INC XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2024-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There are several credit inquiries and accounts opened under my identity between the dates of XX/XX/XXXX - XX/XX/XXXX. In addition, my personal debit card was compromised and I disputed the purchase made on a both my debit card and a XXXX XXXX account that i never opened. 

Unauthorized hard inquiries : XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Disputed purchases : XXXX XXXX transaction at XXXX {$280.00} on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized credit card opened on XX/XX/XXXX XXXX / XXXX 's purchase {$160.00} - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
There are several credit inquiries and accounts opened under my identity between the dates of XX/XX/XXXX - XX/XX/XXXX. In addition, my personal debit card was compromised and I disputed the purchase made on a both my debit card and a XXXX XXXX account that i never opened. 

Unauthorized hard inquiries 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  - unauthorized credit card opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I used my ATM card on XX/XX/XXXX to fill up my car. I was in a road trip to XXXX. Since I was out of the usual area in which I normally use the card, the transaction was denied. I called the bank on XX/XX/XXXX to resolve the situation. 
According to their policy, they told me that I should have received a voicemail with a code in it. Without that code, I could not clear the account. I did not receive said voicemail. I asked for another way to verify my identity and they said that they could call me on the cell phone registered in the account. I authorized the call and they could not reach my cell phone as well. I made four attempts on that day to solve the situation. At this point, account was frozen by their fraud department. 
On XX/XX/XXXX, I called again and they told me that they would send me a letter with another code to verify my identity, since they could not reach me on my cell phone. That letter would take 7 business days to arrive. Today is XX/XX/XXXX, and I did not receive the letter yet. 
In the meantime, I do not have access to my funds and can not pay my bills with my own account having to rely on my wife 's account to transact any money. They are the only institution that can not reach my cell phone.

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 2024-03-06 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: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is 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 explanation
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Capital one auto finance keeps calling our business line. They will not give a name or any other information, but refuse to take our business number off whatever account it's on. We have lost out on several different clients due to being unable to leave a message because our voice-mail is full of these spam calls. It is costing our business money. As a business, we have called their number 5 separate times and requested the number be taken off. They are not following thru. We advised them if they keep calling we will file a report and get an attorney if necessary. It's absolutely harassment to continue to call a wrong number when asked 5 times not to.

Company response to consumer: Closed with explanation