vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account was charged off with 5/3 on XX/XX/XXXX with no prior notice. A letter was issued to me on XX/XX/XXXX and I logged into my account to rectify the negative balance on XX/XX/XXXX and saw the letter. I have not yet received the correspondance. No phone call, no email was attempted. There was NO advance warning of the account being charged off. The account went negative on XX/XX/XXXX for {$34.00}. I was charged a {$37.00} OD fee on XX/XX/XXXX. If 5/3rds policy is to charge off accounts 60 days after the account is negative, the XXXX day was XX/XX/XXXX. The account was closed XX/XX/XXXX. 

I attempted to rectify the situation on XX/XX/XXXX. I was told I had to wait until XX/XX/XXXX to do. After calling the customer service line 5 times, being routed to several incorrect departments, I was told to " leave a message '' at some random department with NO idea of how long I would wait for a call back. I was given the number of XXXX by a XXXX Representative on the chat function and I called that number. The representative answered " this is XXXX on a record line, how can I help you? " ... .I asked if this was FIfth Third and he said " yes ''. 

I have worked in the banking industry for 23 years. I will never give my information out on the phone to a number I do not recognize, especially when the agent answers the phone as above AND was incorrect. That number is directly to XXXX XXXX that purchased the debt from 5/3. I did research and found the customer service line and they confirmed who there were and transferred me to a specialist to assist me. I paid the debt. I was told that it would NOT effect my credit but WAS reported to XXXX. After 14 days it would show as in good standing but will remain with them for at least 7 years. This could effect me opening new accounts in the future. Fifth Third sold the debt between XX/XX/XXXX and XX/XX/XXXX and made NO attempt at trying to rectify the situation with me prior to selling to a collections agency that then reported me. 

In short ; Fifth third made NO attempt to : 1 ) notify me of the charge off date 2 ) gave me FALSE information to try and rectify the situation 3 ) when I DID try and rectify the situation I was sent all over creation to try and fix with NO resolution. I had to take it upon myself to figure it out. 
4 ) {$37.00} of the {$70.00} charge off was a fee from Fifth Third.

5 ) I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

I find this to be absolutely absurd customer service in handling the situation. I find this to be extremely predatory and a violation of my consumer rights. XXXX XXXX assisted me and was cordial and helpful. 5/3 did not.

please pass this complaint on to whomever it needs to go to. 

thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I created an agreement with the company of Midland management to pay off my debt and clear it off my credit. I paid it off in XXXXXXXX XXXX XXXX  and they have yet to take it off my credit like they have agreed to do. 
This is slowing me down as a XXXXXXXX XXXX to succeed and move forward in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB, XXXX : Complaint Regarding Unauthorized Hard Inquiries on My Credit Report** I am writing to file a formal complaint against the inclusion of unauthorized hard inquiries on my credit report, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. 

**Details of the Complaint : ** Upon reviewing my credit report from [ Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX, I discovered the following hard inquiries that I do not recognize and did not authorize : XXXX. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX XXXX XXXX Reporting Agency** XXXX TransUnion XXXX XXXX. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] XXXX Reporting Agency** XXXX TransUnion XXXX XXXX. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] XXXX Reporting Agency** XXXX XXXX XXXX XXXX. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] XXXX Reporting Agency** XXXX XXXX XXXX **Violation of the Law : ** Under the FCRA, XXXX XXXX Code XXXX, a XXXX reporting agency may furnish a consumer report only under specific circumstances, such as with the consumer 's written authorization or for certain permissible purposes. These inquiries were made without my consent or knowledge, which is a clear violation of the FCRA. 

The unauthorized access to my credit report has negatively impacted my XXXX XXXX and caused me significant distress. I have not applied for credit with the above-mentioned companies, nor have I given permission for them to access my credit report. 

**Request for XXXX : ** I request the CFPB to investigate this matter and ensure the immediate removal of these unauthorized hard inquiries from my credit report. Additionally, I seek assurance that corrective actions will be taken to prevent such violations from recurring. 

With this Complaint are copies of my credit report highlighting the unauthorize inquiries, along with a copy of my identification for verification purposes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: GA

Complaint narrative:
There seems to be unauthorized hard enquiry on my Transunion credit report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Someone is using my SSN to apply for credit cards without my permission or consent

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 2024-06-24 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-24 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: VA

Complaint narrative:
I have disputed several items on my credit report because a lot of the information was incorrect such as inquires, personal information. I have reached out to the companies as well as the credit bureau and no one has been able to fix the issue or the issues would come back as verified when I have not authorized any of these things. I believe 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 explanation
Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
They did not reply with the specific information I requested pertaining to the amounts and credits for the terms of the original arrangements and agreement of the loan from XXXX  that I made with them. They simply showed me an example of how much money that they would forgive, such as {$2900.00} ; etc. from the principal balance that I still owe, but they did not subtract it yet from my current balance yet. Furthermore, they said that my application for XXXX has now ended, which leaves me more confused now about the terms of the loan balance I have with them because I applied for an XXXX plan which they approved, so this either did not even apply to me or I never heard or knew that this applied to my situation in the first place so this is irrelevant to my current situation. Hence, I will not XXXX these loans again ( as they recommend ) and the XXXX  years of consecutive payments should qualify towards the original terms of the loan which was for XXXX  years ( XXXX months ), regardless of the current XXXX new student loan forgiveness plan. They should already have forgiven XXXX years of repayment for me, since I already made XXXX years of payments to them and still have XXXX years remaining. If I had reconsolidated these loans again, then the new terms would be for another XXXX  years for the same amount and I would have to start all over again so the whole process for which I am complaining to this agency is proven to be a scam if after making XXXX  years of payments my loan is not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX on my Experian report. This account is a verified fraudulent account by XXXX. I disputed and Experian did not remove the account after I provided proof from XXXX and the police 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 2024-06-24 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a fraudulent charge for {$130.00} on my XX/XX/year> Citibank card bill. I called to file a dispute and they told me to pay the bill and they would investigate, which I did. They sent me a reimbursement check but added the amount back onto my account the next month. I have called several times with no resolution. Now i am being charged late fees and interest. When i call, they can never find my account and nothing is done except send me another bill. I did not order or receive what i was billed for in XXXX. They have offered no explanation of what they are doing and have no record of my numerous calls to them. Their security department has done nothing when i speak with them. I have called at least 5 times, spoken with supervisors, etc. Nobody knows or does a thing! Now with interest and late fees, the amount owed is about {$250.00}.

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 monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA
State: TX

Complaint narrative:
I had a student loan with AES and had paid on it for right at XXXX years. My loans should have been a part of a foregiveness program that the company ignored and I knew nothing about. I refinanced my loans because the balance was not going down, which appears I paid {$80000.00} in interest on and still owed the same balance from the beginning, and I went private because it seemed the only way I would ever pay these off. I did pay down more principle in XXXX years than I did in XXXX  years. Now that these companies realize the mistake they made, there is no help for me because I refinanced. This does not seem fair to me. 
I should have received this benefit and the only reason I am not is because I realized something was not right and refinanced. 

Disbursement XXXX Loan Program : XXXX Owner XXXX XXXXXXXX XXXX XXXXXXXX XXXX PHEAA XXXX XXXX XXXX XXXX Original Balance XXXX {$33000.00} Last Payment on this Loan : Date Payment Principal Interest Late Fee XX/XX/year> {$35000.00} {$35000.00} {$110.00} {$0.00} Disbursement XXXX Loan Program : XXXX XXXX XXXX XXXX XXXX  Guarantor : PHEAA XXXX XXXX XXXX XXXX XXXX XXXX : {$28000.00} Last XXXX on this Loan : Date Payment Principal Interest Late Fee XX/XX/year> {$30000.00} {$30000.00} {$100.00} {$0.00} As you can see the balance on the loans at the end was higher than the original amount disbursed after paying the loans for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I have been receiving electronic communications over the past year from byrider auto loan service and my debt have been discharged for more than Three years. I've alerted them at the time of bankruptcy and returned their vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I filed identity fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: Centron Services
State: MT

Complaint narrative:
I have disputed the collections account on several occasions asking the company to remove it from their database. No action ( s ) have been taken by the company to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: Larry H. Miller Group of Companies
State: PA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation