vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Netspend Corporation
State: TN

Complaint narrative:
I received a no reply email from the nwtspwnd prepaid XXXX for a person name XXXX to my email and I would never in life use a prepaid card. I have XXXX bank accounts and a credit union. Website states they use photo id to open account so I want it traced to find out who has been using my email as this is fraud

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I notified Capital One of fraudulent charges on XX/XX/XXXX. The charges were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made it clear to the agent when I filed the claim that I caught these charges so late because my father had passed in XXXX of XXXX and I had been managing opening XXXX businesses, a property, and the estate. I caught these charges when compiling a year end accounting for the estate. After being escalated to supervisors they made it clear to me that no investigation was actually made into the fraudulent charges and that they closed the investigation before beginning it because of the timeframe of the claim. They have fine print which states you have a certain timeframe to make claims on fraudulent charges -- the original agent I spoke to when making the claim said that it was good I called when I did because I was just inside that window -- though now they are saying that it was not. This is a disingenuous business practice at best and fraudulent advertising at worst. They claim to protect consumers against fraud and yet they allowed ~ {$3000.00} of charges to questionable XXXX websites occur in the span of 6 days that clearly do not line up with my purchase history. They are holding me responsible for the fraud, which they admit they haven't even investigated the merchants, simply because I failed to call within an arbitrary timeframe. They DO NOT provide fraud protection, it is still the consumers responsibility to catch and notify them of fraud AND to do so in an arbitrary timeframe. These charges ARE fraud and it's very clear to anyone with intelligence simply by looking at the merchant names and the correlation in quantities charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-09-25 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-25 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: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: VA

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations. Please certify that all claims are true and accurate, complete, and timely reported.

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 2023-09-25 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
XX/XX/2022 Ally financial reported a hard inquiry on my credit Profile I did not approve of this or know of even speaking with them

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
i have ana acct with wells fargoXXXX XXXX XXXX XXXX i tried to setup auto pay and it wouldnt go through, i went in the branch to get help and they couldnt help me, i have a agreement with the creditcard i have 36 months to pay off this debt as this furniture was in dispute they were charging me late fees i opened 2 complaints with the executive office and nothing is being done, i keep calling them nothing is being refunded, well then i had so many problems with the furniture XXXX XXXX took back my living room furniture and issued me a credit {$2800.00} but i still have other furniture from them well wells fargo took the money and paid off the card balance and i didnt want that dont bc i have the contract terms that say i have 36 months to pay, so i keep calling them and no one is sending me my money that they are holding and fixing my acct and they are ruining my credit by reporting me late

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 2023-09-25 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: 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 XXXX5 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XX/XX/2023 a checking account was opened in my name. I was told it was charged off XX/XX/2023. I was contacted by a debt collector that I owe {$1000.00}. It was a XXXX Bank XXXX account number XXXX. I did not open this account. This is fraud using my social security XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My family is traveling abroad this Wednesday, and I will not be able to use my card ( Amex gold ) as a result if it is not expedited. Multiple calls to Amex did not get me anywhere.I need to have the card sent to a different address ( where I have already had a card sent to in the past, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2023-09-25 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: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: NY

Complaint narrative:
These accounts were reported in my information and are not mine XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: NY

Complaint narrative:
These accounts were reported in my information and are not mine XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$0.00}

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 2023-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
3 online payments were made to a mortgage servicing provider for a closed mortgage loan account ( it was transferred to another mortgage servicing provider ). Funds were not received by said provider and I was told to contact Chase who insists the online payments were processed and sent. Multiple back and forths have transpired between Chase and XXXX, with zero success. 3 online payments of {$2600.00} from Chase to XXXX were made XX/XX/23 and are stuck somewhere? Chase says they no longer have it and XXXX insists they never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
My request is for MOHELA to review my account and count 48 payments made from XXXX as eligible payments for PSLF, as I was with a qualifying employer and on an income based repayment plan. XXXX  ( the Florida Department of Education loan holder ) is making it hard for me to process a TEPSLF by declining to upload to the Department of Education National Database, payments I made from XXXX. I filed for a hardship in XXXX and requested from the Florida Department of Education to reduce my monthly student loan payments. I was placed on an income based repayment ( see form attached ) I made 48 consecutive on-time payments ( payment history is attached ). A MOHELA supervisor ( case number XXXX ) instructed me to ask XXXX to upload the payments to the national database. XXXX has declined putting me behind on PSLF. Nothing has been reported since XXXX. XXXX emailed me my payment history and I uploaded it to the MOHELA website and have attached it here. I request MOHELA review my account and count these XXXX payments as qualifying payments for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX  I submitted a fraud claim due to my account being compromised when my phone was stolen. I gave them the exact dates it was stolen which coincides with when my bank account was compromised. I never received any phone calls or emails in regards to the transaction that happened only a letter stating that a check bounced with my a plagiarized signature on the copy of the check. I was not in possession of my card and the only card I had from was expired and they never sent a new one. When I submitted the claim I had to create a new user id and password for my bank account and request a new card. This bank has a zero liability policy so although I was really worried about my information being stolen I trusted Navy federal to handle this matter. They immediately denied my claim so I went on to submit an appeal XXXX  I waited months to hear back from them and nothing and my account was closed without any warning. There was also a credit card application put in at the time my account was compromised thankfully it was denied. I asked them what information could I provide that would help but they didnt have anything that I could send in that would help. Since then another one of my bank accounts got compromised however that bank was able to retrieve my funds, protect my account and locate the person that hacked my account. Navy federal has done nothing to help and the balance is extremely high over {$4000.00}. I have had a car loan with navy federal and family who also banks with them and ive been with them for years and they have not been of any help in this matter. I recently contacted them on XXXX  and they were not able to give me and update and told me that the balance is on me now they have a zero liability policy which this goes against. I in no way have any connection to when my phone got stolen and my account got compromised and it is upsetting that I am now being held accountable for this crime

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote a {$1000.00} check to a vendor. It was fraudulently check washed. The check had egregiously been changed. The check washer forged the check out for the same amount I had originally written the check for. It went undetected for XXXX. Now Truist is telling me they are not responsible for allowing the transaction to happen because of the amount of time. The handwriting on the check is clearly not mine. I always use the memo line and on this fraudulent check it was blank. My handwriting is a clear architectural lettering and the fraudulent check was large bubbly handwriting. I feel like Truist stole from me. 
I have asked for a review of my denied claim back on XX/XX/XXXX and I just learned ( XX/XX/XXXX ) that it has also been denied. 
I filed a police report when this happened as well as a report with the USPS. I don't understand how a bank can dismiss this criminal act so easily. 
Hasn't the UCC placed regulations on forged checks? I have been with Truist for may years ( XXXX & XXXX and before ). They don't seem to value me as a client.

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 2023-09-25 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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