vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I was involved in a case of identity theft and this involves my bank credit card, the bank gave someone else access to my account and he made fraud charges. 

The total amount is {$4000.00}, and my credit limit is only {$500.00} The Bank is Citizens Bank Credit Card Company.

I have a few statements on my account with someone else 's name on them. 

I have a police report and an Identity theft report as well. 

They wanted to provide Citizens Bank Credit Card with a copy of those but did not want them. 

This issue has been going on since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized accounts. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: NJ

Complaint narrative:
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NJ

Complaint narrative:
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: GA

Complaint narrative:
I am filing this complaint to EXPERIAN. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

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 2024-01-05 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Last year I signed up for a monthly subscription box with a company called XXXX. XXXX failed to provide the subscription box although it did charge my credit card. I successfully disputed the charge with Chase, but my credit card was charged again the following month, prompting me to seek assistance from Chases customer service, I was told that the only remedy would be canceling the credit card which I declined, choosing instead to continue disputing the charges monthly. Recently, I had to cancel the credit card for unrelated reasons, and assumed this would also put an end to the unwanted recurring charges. However, I was charged again this month, even with the inactive card. Contacting Chase once more, I was informed that XXXX could still access my account. I was told that even if I close the account, entirely, the charges could persist post-closure. At this rate I will continue to be charged in perpetuity. A more comprehensive and effective solution is sought to address this recurring issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I filed a case with Federal Student Aid, Feedback Case # XXXX, on XX/XX/XXXX. I received an email stating : Dear XXXX XXXX, Thank you for contacting the U.S. Department of Education 's office of Federal Student Aid. This email is in reference to your request regarding your feedback case. Your case number is XXXX. Please retain this number for reference. 

This is an interim response to notify you that we are continuing researching your concerns. We will follow up with more information within the next 15 calendar days. We appreciate your patience as we work to resolve your case. If you require further assistance or wish to provide additional documentation during the research process, reply to this email or contact us. 

Sincerely, Federal Student Aid I have not heard ANYTHING and I've called FSA and Aidvantage, my loan servicer, multiple times and no one has any information. I have also uploaded and emailed 31 bank statements showing the payments made that I'd requested a refund for in the amount referenced below - copy from my complaint case to FSA. 

I was refunded the amount of money I'd paid towards my student loans after the IDR adjustment date ( XX/XX/XXXX ). 

However, prior to this reimbursement, I tried calling my servicer 10-20 times starting XX/XX/XXXX asking what I need to do to get refunded for payments made during the Covid payment pause, etc. and/or what amount I'd be refunded. I NEVER rec 'd any answers, no one was EVER able to help me nor tell me the refund amount. I have phone records of all calls to the servicer. I was not refunded {$7500.00} for the payments I made between XX/XX/XXXX ( after the covid pause started ) and XX/XX/XXXX via XXXX payments - the majority of the {$59.00} weekly. I do have all receipts if you need proof. Please research, thank you - really appreciate it - and call me at XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: GA

Complaint narrative:
Transunion has a reported a Bankruptcy on my credit file on XX/XX/2023. The date reported was XX/XX/2023. I did not authorize transunion to report anything on my credit report. I spoke to XXXX at the Bankruptcy court and she said they do not report Bankruptcies. Transunion allowed a third party to purchase my information without my consent. Under the FCRA transunion is not a government entity but a publicly trading company which has no authority to report anything. 
These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the Georgia District Bankruptcy Court of Georgia, they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. XXXX or any other third party has violated my rights under title 15 and others

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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Background : My father had a checking account with BMO. I was added to the account when his health got bad. He passed away in XX/XX/XXXX. 

As part of closing the account I was transferring funds out of the account but keeping it open as I was trying to track any bills/benefits/accounts he had connected to it, but had withdrawn much of the funds. Had an unexpected charge from his closed cable account which put the account negative {$130.00}. 

I contacted BMO through online chat on XX/XX/XXXX to ask how to close the account properly. I was told to transfer in funds so it was a XXXX balance, and then I could close it through online chat again. 

That same day I initiated a transfer using BMO 's website. I received an email confirmation that the funds would be pulled from my XXXX  account to BMO. BMO sent an email saying the funds were taken from the XXXX account on XX/XX/XXXX and would be available in the BMO account in another day. On XX/XX/XXXX, BMO sent an email saying the funds were credited to the destination account as of XX/XX/XXXX. 

The Issue On XX/XX/XXXX, I logged in to contact chat and close the account. I saw BMO had closed the account on XX/XX/XXXX, but stated it was closed with a negative balance and money owed, and they sent derogatory information to XXXX. 

I contacted online chat who refused to assist me saying they could not verify my identity, though just 10 days earlier I had communicated with them in the exact same manner.

I then spent 45 minutes waiting on hold to explain the situation to a customer service rep, who put me on a hold for a long period, and then told me I had to talk collections.

She forwarded me to the collections dept, which is just a voicemail box that tells you to leave a message and they will contact you back in 24 hours. I left a message with my contact info and explanation. Three days later I have received no response. If I log into the account it still says closed with negative balance sent to 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 2024-01-05 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: FL

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus

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 2024-01-05 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I want this credit report off my account. All they did was given me a write off but I dont know what that if fixing because im not going to pay for a card that i am not using. I was XXXX just getting i to the XXXX when Victoria secret offered the card I thought it was just a store card. So they have been reporting dues to my credit when j havent even used the card since they had gave it to me i dont even know where that card is. I need this to get taken care of and off my account. It shouldnt have been on my account in the first place. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized accounts. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

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 2024-01-05 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: NY

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized accounts. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

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 2024-01-05 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: NJ

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint

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 2024-01-05 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: TX

Complaint narrative:
Equifax is violating my right to privacy and I have elected to opt-out of any future credit reporting especially negative items currently on my report. I was denied credit by XXXX. They are in violation of 18 U.S. code 1028 Fraud and related activity in connection with identification documents, authentication features and information ; 15 U.S.Code 6802 Obligations with respect to disclosures of personal information ; 15 U.S. Code 6801 Privaty Obligation Policy ; Can't produce Social Security Release Consent forms. ( SSA-3288 ) with my signature ;! 5 U.S.Code 1691 Congressional Findings and Statements of purpose:15 U.S. Code 1681a Defintions rules of construction ; 15 U.S. Code 1681b ( Permissible Purposes of Consumer Report ) 18 U.S. Code 8 Obligations or other Security of the United States that all debts public and private is settled by the United States : Texas Penal Code Sec . 32.53 and Texas Penal Code 32.51

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus

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 2024-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I received a late fee on XX/XX/XXXX for XXXX dollars. 
I called the Capital One for credit and was refused. 
I was harassed by by three agents stating it was my fault that i paid my payment too early. 
I made two payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized accounts.

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

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 2024-01-05 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express has to be breaking the law at this point or be in violation of the FDCPA or FCRA. 

They are continuing to report an account on my credit reports that I informed them multiple times was opened fraudulently in my name. Not just are they reporting it, but they continue to update it despite there being no activity since 2018 apparently. 

Ive reached out to them multiple times to resolve this by making them whole and paying the balance on the account in exchange for them removing the account from my name, since IT IS NOT MY ACCOUNT! 

Their call centers are impossible to talk to. Their employees follow scripts and are unable to think outside of the box or come up with a solution. 

Ive been on hold hours before only to be transferred, being told this department cant help and then transferred to the another department who also cant help, only to end up with the department I started with originally. On multiple occasions calls would just drop during the transfer process or I would be hung up despite remaining courteous at all times and just looking to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint to FIFTH THIRD BANK NA. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you correct the said account. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized accounts. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

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 2024-01-05 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: FL

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief