vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Please be advised that on the date of XX/XX/XXXX I was at my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when I received a telephone call from ; XXXX XXXX, employee letting me know that I had been Selected & Prequalified for an Extra loan, I was excited, but the process was taking to long my XXXXXXXX XXXX  was @ XXXX XXXX XXXX  it was XXXX I had to ask if I could finish the call when my XXXX XXXX was over the XXXX XXXX XXXX agreed. When I Return home I called & picked up where left off the XXXX XXXX XXXX, employee said that all they needed was my Signature so he text my XXXX the Link to XXXX Nowhere on the app. From ; XXXX was there any Indication that I was signing my name to a refinance loan. I thought it was a Completely separate loan from my first my first loan was taken out XXXX XXXX XXXX this money was used to purchase a XXXX XXXX XXXX XXXX XXXX XXXX the first loan amount was {$2600.00} I have made {$990.00} in monthly payments never late never short & I only owe {$1600.00} again I was never told that I was taking out a Refinance loan this would throw me Further into debt when I could have just finished paying off my XXXX loan the XXXX loan was for the amount of {$2100.00} the XXXX XXXX employee told me that my XXXX XXXX, XXXX XXXX account would receive the money the next day yes indeed my XXXX bank account did but only for the amount of {$490.00} I was more than Confused so I called XXXX XXXX seeking some answers? & was told that I signed my name to their Contract I ask to speak to a Supervisor so that I could explain about the mix up, on the XXXX there was no mention of it being a Refinance loan The XXXX link that was sent to me only explained about how that Application and System works ect. I did not find out about it being a refinance loan until after I went through the XXXX process I ask the Supervisor at XXXX XXXX,, if I were to return the monies directly deposited into my XXXX XXXX XXXXXXXX XXXX  account which total {$960.00} to them could I return back to my first Original loan Agreement because I did not know that I was signing my name to a refinance loan Please note even if I were to return the {$960.00} I will still owe XXXX XXXX {$2300.00} Subtract {$490.00} Equals {$1800.00} just need some help trying to undo this refinance agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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:
I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX CARD - XXXX XXXX XXXX - XXXX XXXX INQURIES XXXX CHALLENGE : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Hi I had a captial one credit card that was closed due to a fraud listing on the account I received no notice or a replacement card for this account. I want this account fraud to be removed I want a replacement card and this account restored or given a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I paid off a loan on a XXXX XXXX truck with the Navy Federal Credit Union, on XX/XX/XXXX. The payoff balance was {$1300.00} and was paid via debit, while on the phone with a NFCU customer service representative. The problem is that internal departments of NFCU do not interact or communicate the changing status of any one account, in a timely manner. This lack of internal coordination that was admitted to me by an NFCU employee, while on the phone, caused the NFCU to take an additional {$480.00} from my checking account. One internal department of NFCU should have notified the other that the loan was paid in full, closed the account and ceased any scheduled, monthly automatic withdrawals. When I contacted the NFCU regarding the issue of their receiving an additional {$480.00}, I was told that I needed a memorandum from my bank manager clearly stating the source of the additional {$480.00}. I felt this was a ridiculous request as the NFCU had established the automatic draft in the monthly sum of {$480.00} while on the phone with me, in the first place. As of yet, the NFCU has refused to return the additional amount of {$480.00} that was withdrawn from my checking account on XXXX XXXX. Lastly, I have heard absolutely nothing as to when I will receive the title for the vehicle. I have a perfect payment history with the NFCU, with XXXX perfectly maintained accounts when this incident occurred. I am an honorably retired, XXXX XXXX percent XXXX, former XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, with a XXXX XXXX. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and as a XXXX XXXX in XXXX XXXX. As my health may be unpredictable at times, this error in the handling of my money, by the NFCU could result in a financial hardship on me. I am requesting your assistance in the timely resolution of this matter. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I had sales of over {$700.00}, Square says they cant find my transactions, but all of the transactions went through on my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: TX

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Army and Air Force Exchange Service
State: NY

Complaint narrative:
On XX/XX/XXXX, my Military Star card, which had been opened since XXXX or XXXX of XXXX, and is importantly my oldest credit reported on my credit report, was closed, without warning or notice to me. On XX/XX/XXXX, I called Military Star card customer service and asked them why it was closed and if it could be reopened immediately. They told me it was closed due to inactivity, and that it could not be reopened immediately. If I wanted to reopen it, it would have to be after 90 days. 

I fear that if I wait 90 days to reopen it, it would show as a new account on my credit report and I no longer would have a XXXX account on my credit report. Having old credit accounts is beneficial in credit reporting and credit scoring. ( If you ask me, that's a form of age discrimination. ) While Military Star has a point that I had not used the credit card in a long time, I have had it for several years without ever being given notice of the repercussions of no activity. Even if they did not have my current email or mailing address, they did have my current phone number. Since Military Star customers are typically military people with little credit experience, it would have behooved Military Star to communicate with me via all means possible. 

My name is XXXX XXXX. My social is XXXX. My phone number is ( XXXX ) XXXX. My current mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2024-06-10 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 Committee on accuracy and completeness of credit information I am 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 Verifiable Proof ( an original Consumer Contract 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 non-monetary relief
Consumer complaint received 2024-06-10 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: Experian Information Solutions 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 Committee on accuracy and completeness of credit information I am 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 Verifiable Proof ( an original Consumer Contract 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 2024-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
My loans were processed under XXXX XXXX XXXX on XX/XX/year>. I was promised refunds of all payments made within 90 days of that date and have received only a partial refund. I have proof of all payments and screen shots of my account with Mohela. No one can tell me where my refund is. I have received two partial payments, one in check form and one direct deposit. I was to receive all refunds in check form. The loan company is not being transparent and has failed to provide any information regarding the remainder of my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX CARD Account # 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 2024-06-10 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A hacker used my information from XXXX XXXX XXXX  and government site to apply for a credit at XXXX XXXX XXXXXX/XX/2024, and the hard inquiry listed on all credit reporting agencies, XXXX, Experian..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 2024-06-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Manufacturers and Traders Trust Company is advertising online CD Rates of XXXX CD 5.00 % APY for my zip code XXXX. However when I go into the branch they only offer me 4.25 % APY. They said they see the 5.00 % rate advertised online but they don't see it in their system so they can't provide it to me. I feel this is false advertising. I asked the manager to resolve it and she ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and she can not. I called M & T bank corporate and they see it online as well, but can resolve it as they can not open CD accounts, it must be done at the branch.

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 2024-06-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I placed a dispute with my Wells Fargo Credit card for a purchased at XXXX XXXX XXXX  in the amount of {$17000.00} on XXXX XXXX. Wells Fargo denial my complaint on XX/XX/XXXX. The Merchant lied that I was explicately informed of " no refunds or returns '', at no point of the sales was I verbally informed on this policy. The sales agent blindsided me into signed a form telling me this was " for permission to email '' me about skincare information. At no time was I informed that this product was not eligible for " Returnable for Refund ''. Also, when I talked to XXXX, sales agent on XX/XX/XXXX advising her about my " returning the merchandise '', she never advised that this product was not eligible for refund or return. She advised that a manager will be in contact with me. This seems be their standard answer, as I am told a manager will call me every time I call the store. 
I return the merchandise to the store on XX/XX/XXXX after waiting for a response from management, which never came. The representative accepted the Merchandise Return and I was advised a Manager will contact me about a refund. Weeks went by with No Response. I reached back to the store, again I was told a Manager will contact me. To date merchant still has my returned merchandise and the credit card company is allowing the merchant to keep the merchandise and make me liable for the charged amount of {$1700.00} ... the first machine was defective and the exchanged product did hold a charge but I did not use it long enough to see if it any any other issues. It is a high price gadget to have any defectives. I was told that XXXX would pay the remaining balance of this product ... my portion was only {$1600.00} with tax. However, after I left the store, I realized they never asked for my medical insurance information. Again that was another lie. This merchant is not responsive and has not done anything to resolve the issues and Wells Fargo is allowing this merchant to defraud/scam me. I was lured into XXXX XXXX for a facial and I was high pressured into buying this LED machine that I was told it was XXXX XXXX XXXX XXXX XXXX was defective so, they exchanged it, and I informed them of my intention for to return the product on XX/XX/XXXX, a week after the purchase. I was well with in the time period for exchange or refund. Again I was NEVER informed verbally that this product was not eligible for return. I blindsided to signing that written form.

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 2024-06-10 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: MD

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

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 Transunion : [ XXXX ll, XXXX ] [ XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-06-10 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: MD

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

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 In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief