vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I received a wire transfer to my account back in XX/XX/year> and citizen back has had my funds on hold since then. They sent me a new card and said they took the hold off my account and I still have not been able to access my funds in the account but I am getting bank statements in the mail every month with Citizen bank taking {$12.00} Fee 's out every month but I don't have access to my funds but they do and will not reimburse me for all the fees they have taken out as well as not allow me to remove my money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have a Lowe 's store credit card, which I have had since XXXX. I tried making a purchase online with more than sufficient balance to cover the purchase, but the purchase was declined. This is the first time I have ever had a card purchase declined. I called the customer service number and received a message that I needed to activate a new card. I then activated the new card, and then attempted to make the same purchase. I then called back customer service and was transferred to the Fraud department where they said they needed to text me a code to the phone number under my account for verification purposes. I received the text message with the code and read it to the representative who asserted that the code was incorrect. I re-read the code to her multiple times and she kept saying it was the wrong code. She then said their ONLY OPTION FOR IDENTITY VERIFICATION IS THROUGH FACIAL RECOGNITION AND THAT I WOULD ALSO HAVE TO PROVIDE ID. As someone who is has been the victim of identity theft BECAUSE OF THE XXXX breach, I don't do FACIAL Recognition NOR WOULD I PROVIDE MY SCAN AND SEND MY DL TO some third party verification company to subject myself to potentially more identify theft by having my face and ID stored in some third-party entity side. I ask to speak to a Manager. Some guy who seemed more focused on hearing his own voice listening to my explaining all of the above. He then claimed that the text wasn't accepted because I was calling over a XXXX network which is emphatically not true as I was calling directly from my mobile phone which is a nationally recognized US mobile phone provider. He then refused to correct that THEIR SYSTEM falsely identified my phone as a XXXX network. He then kept going round and round and round about facial recognition despite my telling him 1/2 dozen time that it was off the table AND THE ERROR IS THEIR SYSTEMS ERROR. 

Surely, the CFPB can install measures to require these companies to correct their own internal programming errors perpetuated upon consumers - forcing consumers to jump through hurdles, hoops and obstacle courses to get these companies to correct their own errors to be able to access our accounts. Enough is enough. You won the battle. You're free now to take measures to protect consumers from this constant ridiculousness.

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 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
They took like XXXX payments of XXXX after I filed XXXX  XXXX and they were included and they updated there records in may but never refunded my XXXX payments and a down payment was made with the purchase they just updated my acct to reflectXXXX XXXX and charged off the last payment but never refunded my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-05-22 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: CA

Complaint narrative:
Trans Union LLC has violated both FDCPA and Fair Credit Reporting by adding back a fraudulent account to my credit report simply because the fraudulent creditor called them. I mailed out a certified packet which I have attached here confirming this is account was opened fraudulently without the proper authorization. Trans Union then deleted XXXX XXXX XXXX the fraudulent account opened without my signature or that of my POA only to add them back on 4 days later simply because the creditor called them. At this point I have retained an attorney and have multiple causes of actions against Trans Union for adding this fraudulent account back on my report. They refused to delete it and block the creditor even with a security freeze. The same attorney will also be suing XXXX XXXX. Everyday that this information remains on my report is a daily damage to my persons.

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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/23 I set up a payment online to pay my mortgage, then I set up another one on XX/XX/23 both payments were for {$760.00} each. My mortgage company ( XXXX XXXX ) received the payment made on XX/XX/23, but they didn't receive the XXXX payment made on XX/XX/23. I disputed the XX/XX/23 transaction with my bank ( Capital One ), and they sent the dispute to XXXX XXXX. Since XXXX XXXX didn't receive the payment made on XX/XX/23 they reverse the payment made on XX/XX/23 and I received that payment on XX/XX/23. Capital One closed my dispute, and they didn't resolve my issue. I have been contacting them and putting disputes about the XX/XX/23 and they kept saying that they already paid me back, which is not true. Where is my money from XX/XX/23? it is a simple math question : XXXX XX/XX/23 reversed on XX/XX/23 ( see attached letter from XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: WI

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I have filed XXXX complaints with the CFPB on Nelnet about this same issue, and they keep doing it. They are sending me confusing and inaccurate information. I filed the first complaint on XX/XX/XXXX, the second one on XX/XX/XXXX, and the third one on XX/XX/XXXX. 
Nelnet has sent me XXXX in-school deferment letters stating that my loans were approved for in-school deferment. One is dated XX/XX/XXXX to inform me that my request to defer my student loans, which they labeled as XXXX XXXX ( consolidated loan balance {$280000.00} ). One is dated XX/XX/XXXX to inform me that my request to defer my student loans, which they labeled as XXXXXXXX XXXX  ( consolidated loan balance {$96000.00} ). One is dated XX/XX/XXXX to inform me that my request to defer my student loans, which they labeled as XXXX XXXX ( loan balance {$10000.00} ). 
I XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX and requested an in-school deferment at that time. They initially approved it and then sent me an email saying my deferment was ending a few weeks later. This is why I submitted the XXXX complaint to the CFPB. Their website also was not functional and I couldnt even log into my account. This is why I submitted the XXXX complaint to the CFPB on XX/XX/XXXX. 
I just received an email from Nelnet informing me that I had correspondence from them in my online account. I just retrieved the letter, and it states that my next payment for my loans is due in XX/XX/XXXX. The letter states : We recently sent you a letter to let you know your payment delay period ( deferment, forbearance, or six-month grace period ) would end soon and your accrued interest would be capitalized ( added to your principal ) if it was not paid by the end of the deferment, forbearance, or grace period. This statement is a lie and is a false statement from Nelnet. I am attaching the copies of all of my in-school deferment letters that I have received this year. 
Mind you, I have been approved for in-school deferment for Group XXXX and XXXX XXXX until XX/XX/XXXX. I have been approved for in-school deferment for XXXX XXXX XXXX XX/XX/XXXX. 
I am so frustrated with these mistakes that Nelnet is making providing me with inaccurate information about my federal student loans. XXXX XXXX XXXX XXXX XXXX  I have been approved for in-school deferment. There should not be a payment due on my loans. Nelnet should not be sending me these incorrect letters over and over. Why is nothing being done about this with me having filed XXXX complaints with the CFPB?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: WI

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-22 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: VA

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 15 USC 1681. 

XXXX. XXXX ( Original Creditor : 01 XXXX  ) Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. ( Original Creditor : XXXX ) Account Number : XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 has violated my rights.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2024-05-22 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:
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 15 USC 1681. 

XXXX. XXXX ( Original Creditor : 01 XXXX  ) Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. ( Original Creditor : XXXX ) Account Number : XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 has violated my rights.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have disputed Bankruptcy cases # XXXX, XXXX with the XXXX credit agencies in response they verified the item as accurate stating that items have verified the information with the court. I contacted the court and their response is enclosed. It is clear the court does not report to Experian, XXXX, XXXX XXXX credit bureaus. Therefore your original response verifying the item with the court has to be an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information 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 2024-05-22 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: MI

Complaint narrative:
Please delete all XXXX inquiries I did not authorize any of them myself please remove immediately. This is in violation of my rights under the FTC.FCRA. U.S.Code 1692 ( f ) ( a ) ( g ) ( e ).

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 2024-05-22 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: NY

Complaint narrative:
I pulled a copy of my credit reports and noticed that erroneous accounts that need to be immediately DELETED. 

ERRONEOUS ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a federally protected consumer, and I am well aware of my RIGHT TO PRIVACY outlined within 15 USC 1681 and more specifically 15 USC 1681A ( 4 ) . These accounts are related to transactions and experiences that falls under the EXCLUSION section of the FCRAs definitions, rules of construction section under 15 USC 1681a ( 2 ) ( a ) ( i ). It was ALSO REPORTED WITHOUT MY WRITTEN CONSENT and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and these accounts SHALL be Corrected. These accounts are NOT related to any transactions authorized by me, the consumer as I DID NOT give written instructions to your agency to report this, which is a clear violation of the PERMISSABLE PURPOSE section of the FCRA, which holds these agencies liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance outlined within 15 USC 1681n. Please DELETE these items from my consumer report! 
15 USC 1681b-2 THE LAW CLEARY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.

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 2024-05-22 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: MI

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I can provide general dates and amounts that are accurate. For precise amounts and dates I just confirmed those with Barclays and I relate those here. 

I had a late payment to Barclays Jet Blue MasterCard in XX/XX/2023 of less than {$20.00} which was a few days late. I was assest interest/late fee of {$3.00} which I was not notified of before I had paid the full XXXX balance. In XX/XX/2023 I apparently made no payment and interest/late fee bringing the balance to XXXX of XXXX when Barclays reported my payments as late to credit reporting bureaus. 

As soon as I was aware of my missed payment I paid Barclays the full amount due ( including all penalties and interest ). At that time I happened to check my credit score which had gone down over XXXX points based solely on this one incident ; having watched my credit score for some time and knowing they are generally secret and make no logical sense I am XXXX XXXX sure this was the cause. 

I called Barclays and asked them if they could change their reporting to the bureaus to reflect my on time payments with the exception of these minor balances that were unpaid because I have XXXX XXXX that contribute to my XXXX ( XXXX XXXXXXXX ) and had forgotten to set up automatic payments for this account, as I have for my other accounts, paying the full balance due every month. 

I know the lender can change these flags to reflect on time payments or not reported for a specific period. 

The agent said she couldn't assist me, therefore I immediately closed the account to prevent possible issues in the future with a lender that reported a missed payment on a balance of {$7.00} that grew to {$16.00} by the time when I paid it off then closed the account. The charges reported paid late were all interest/penalty assessed by Barclays after I missed the full payment in XXXX and missed the XXXX payment. 

This is a card I very infrequently used and since I hadn't made any charges on it I was unaware of the balance due. 

I called Barclays again today and asked for their help to resolve this issue. I was informed by the agent that they needed to refer my call to a supervisor. When she then answered the transfer she said Barclays could not help, although it was inclear if she had the authority to assist me as she was employed by a call center in the 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