vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Receivables Fund Incorporated
State: PA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items that you remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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:
Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
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 2024-03-30 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: FL

Complaint narrative:
There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT. 

I AM A VICTIM OF IDENTITY THEFT.

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 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I hold both a XXXX Visa and an XXXX XXXX card with the bank. On XX/XX/2024, I deposited a {$45000.00} check from the U.S. Treasury into my checking account. The bank held the funds for approximately 10 days. Upon confirmation from the bank that the deposit had cleared, on XX/XX/XXXX, I made two online credit card payments : {$3100.00} to XXXX XXXX and {$14000.00} to the XXXX Visa, effectively paying off both cards. However, on the same day, the bank erroneously processed two additional payments totaling {$17000.00} to the same two cards without authorization. Concurrently, all other outstanding transactions on my checking account were being returned, resulting in a negative balance. 

On XX/XX/XXXX, I promptly contacted the bank to address the unauthorized duplicate payments and requested that the excess amounts be returned to my checking account. Despite numerous attempts over the following 27 days, the process of rectifying this error has been fraught with challenges. The bank has continuously refused to return the excess payments of {$17000.00}, citing ongoing investigations for which they have provided no transparent explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I looked at my report recently and notice an account wasnt reporting accurately. I had teo late payments on my account that in fact On time Never late. The consumer reporting agencies need to report all information with complete accuracy. The Account has not been late on payments, i attached screenshots of each bureau reporting the inaccuracies im complaining about, to this complaint of the following dates XX/XX/2021 and XX/XX/2021. Im now requesting that you investigate and provide verifiable proof with records that i had late payments. If this information can not be verified, i demand that they get an update to Paid on time never late, Immediately. Thanks for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
This company does not process payments in a timely manner whatsoever. They tell you on their app that the payment has been posted and processed and then it doesnt even process for eight or nine days and then they charge you late fees. If it doesnt clear your account they send you multiple pieces of documentation and show on their website that your payment has been processed in your account is current and then they wait nine days to process your payments and then if it doesnt clear, they charge you fees For late fee for non-sufficient funds, and they reverse everything. This is dishonest and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: CA

Complaint narrative:
Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
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 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was encouraged to sign up for and use a Care Credit credit card to pay for my partner 's mother 's dentures in XXXX. The woman instructed us to pay the minimum and I would not pay any interest on the fee. I set up auto pay for the minimum and made all of these payments on time. I never received any statements from the company. 

I guess this was part of a promotion that expired in XX/XX/XXXX and since that time they have been charging 26 % interest. I called the company today and raised a dispute about this interest. I had not accessed the account in a long time and I noticed that the promotional expiration notification was set to " off '' by default. I went ahead and paid the balance that was due in XXXX when the promotion ended. 

I did some searching on the internet after my call and I saw that the CFPB has already come after this company for the same thing : XXXX XXXX XXXX Can you help me fight these deceptive and predatory practices?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
I noticed last month that I had been charged a fee for awhile on my account. The account agreement I signed said that the account was free as long as I continued to direct deposit each month, twice a month. I have been doing that and I have had this account for many years and never had a problem. When I contacted the bank, they told me I was being charged the fee because I don't use their debit card and haven't been into a branch. I did NOT agree to this fee and have many transactions both in and out of the account every month. I told them a two days ago that I would be closing my account and not to charge me the fee again. The next day, I get charged the fee. This garbage fee should not be charged to my account and I am very angry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 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 noticed multiple unauthorized hard inquiries from my report. I reached out to Experian, who advised me to contact each of the companies responsible for pulling my credit report. I called back to Experian to inform them that the companies are not responding to me and they continue to inform me to reach out to the credit bureau, which is Experian! Experian informed me to go file a police report! No. Experian can do their job and obtain the document that contains my signature that I authorized these inquiries, which i didn't! I have spent hours writing these companies, calling Experian, disputing with Experian and unfortunately the same response Inquiries are a factual matter. Which is NOT TRUE! Therefore, I am requesting a thorough investigation into this matter to verify the validity of the hard inquiry. Additionally, I ask for documentation or evidence demonstrating my authorization for these inquiries. Please provide a written response detailing the results of your investigation and any supporting documentation within the timeframe outlined by the Fair Credit Reporting Act.

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 2024-03-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After completion of a dispute of information on my consumer report that should not be there due to the fact I the consumer opt out and cease and desist communication with said furnishers, the reinvestigation did not provide any explanation as to why the consumer reporting agency Experian did not process my request. 

I then request for Description of Procedure Used to Determine Accuracy and Completeness of Information as I have a right to do request from said consumer reporting agency in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ( 6 ), and my request to both and agent of Experian and a supervisor named XXXX of the dispute department was refuse and ignored. 

On XX/XX/year> I made said request to said supervisor who identified as XXXX more than 10 times and she refused to acknowledge my request and only told me i can get a copy of my consumer report.

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 2024-03-30 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: AR

Complaint narrative:
I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, Transunion, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially.

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 2024-03-30 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: AR

Complaint narrative:
I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to Equifax, XXXX, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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 several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

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 I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I have uncovered additional malfeasance on the part of Mohela. Specifically, despite my loans being in an administrative forbearance while Mohela, due to its own deficiencies, has informed me of excessive delays in processing my Income Driven Repayment recertification for my loans to continue on the SAVE plan, I have learned that Mohela has allowed interest to continue to accumulate on all of my loans. This is against the terms of the SAVE plan, which, to be clear, I was already enrolled in prior to the recertification application. 

Specifically, I was only able to learn of this information by writing down in an XXXX XXXX the amounts of the interest accrued as of XXXX and then waiting one month later and seeing that as of today, XXXX those amounts had increased. These values were also expressed in the amounts required to pay off these loans in full. 

As such, Mohela is illegally permitting interest to accrue on all of my student loans, despite them being both already enrolled in the SAVE plan, and additionally, in an administrative forbearance which Mohela initiated due to its own inefficiency and excessive delay in its inability to timely process my Income Driven Repayment recertification 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 2024-03-30 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: NJ

Complaint narrative:
Trans Union fail to remove a fraud account by XXXX XXXX XXXX XXXX  I caught them in a lie on a record line. They hung up in my face because I caught them lying to me about not receiving my FTC paperwork!! they knew that an FTC report was sent out on XX/XX/XXXX. Which the account was close on XXXX XXXX was the first to report that the account was closed. Transunion refuse to remove it because so called of lack of documentation which the documents was mail on XX/XX/2024 but they still fail to remove it.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: OK

Complaint narrative:
To Whom It May Concern, I hereby submit this correspondence to dispute the accuracy of the collection account reported by Aldous and Associates on my credit report, and to demand a cease and desist regarding the same. The account details are as follows : * Reported Date XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} * Overview : Needs Attention. You have 100 % left to pay on this collection. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open * Type : Derogatory * Responsibility : Individual * Remarks : Account information disputed by consumer, meets FCRA requirements I assert that the reporting of this collection account violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : * Inaccurate Reporting : The reported balance and account status do not accurately reflect the true state of the account, contravening FCRA 623 ( a ) ( 1 ) ( A ).

* Failure to Investigate Dispute : Aldous and Associates has neglected to conduct a reasonable investigation into my dispute, as mandated by FCRA 611 ( a ) ( 1 ) ( A ).

* Failure to Report Accurate Information : Aldous and Associates has inaccurately reported information regarding the original creditor, in violation of FCRA 623 ( a ) ( 1 ) ( C ). 
Furthermore, pursuant to the statute of limitations for creditors to report a collection account in the state of Oklahoma, which typically spans 5 years, any collection account exceeding this timeframe is deemed time-barred and should not be reported on my credit report. Thus, the reporting of this account constitutes an additional infringement of my FCRA rights. 
Moreover, I hold XXXX accountable for allowing this account to persist on my credit report beyond the statute of limitations, thereby further breaching the FCRA. 
Should this dispute not result in the deletion of the aforementioned collection account, I will be compelled to escalate this matter to the Attorney General of the state for the violation of my FCRA rights. 
I demand that the Consumer Financial Protection Bureau conduct a comprehensive investigation into this matter and ensure that Aldous and Associates and XXXX rectify the inaccuracies and expunge the collection account from my credit report. Additionally, I request written confirmation of the investigation 's conclusion and the subsequent corrections made to my credit report. 
Please consider this as a formal dispute and demand for a cease and desist regarding the inaccurate reporting of this collection account. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: MoneyLion Inc.
State: OR

Complaint narrative:
Someone created an account in my name and added a phone number to it ; XXXX, and when i requested it be deleted they insisted I provide information ( SSN ) which seemed like they desperately needed it. Fishy They won't investigate.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: WA

Complaint narrative:
this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

Company response to consumer: Closed with explanation