vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Information Under 15 U.S. Code 1681 Dear XXXX XXXX Customer Service, I am writing to request information regarding my account under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). My account number is XXXX. 
Specifically, I would like to obtain a letter that details the status of my revolving account, including any relevant information that may be reported to the credit bureaus ( Equifax ).

Please let me know if you require any additional information to fulfill this request. I appreciate your prompt attention to this matter and look forward to your response.

Thank you.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have asked multiple time for all notes and recorded calls to verify that I have been calling in on both account since inception of both Personal and Business accounts. I spoke to the XXXX  office at Wells Fargo numerous times as should be recorded. Every time they close the accounts without divulging the notes or crediting my account. Wells Fargo has gone as far to say okay looks like you have over {$1700.00} in overdraft fees on your business account we will refund half, I asked how they came to that decision as I have been calling since the inception of both accounts. Why would you only refund half then sent out checks on just my business account overdraft fees but not my personal account. When I spoke with them concerning my personal account nothing was done about that. Since I have not received anything of what I requested. I have filled in small claims court for both accounts. 

I had to let the personal account go negative because they kept letting funds be pulled after the account was at a XXXX balance> When I contacted them concerning this about my personal account NOTHING was done, and they ended up closing the account for to may days negative instead of returning funds as insufficient funds. Wells Fargo did not review of offer to review the account for overdraft fees nor did they get the requested notes and call verifying i have been calling in for XXXX  years asking them to stop letting money come out of my account if I'm at a XXXX balance. 

Personal XXXX Business 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 2024-10-15 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I am writing to file a complaint against Citibank regarding their failure to resolve a dispute concerning an unauthorized charge from XXXX XXXX. 
On XX/XX/year> I rented a vehicle from XXXX XXXX. I returned the vehicle on XX/XX/year>, as agreed. However, I was subsequently charged in the amount of {$58.00} for an additional day, Saturday XX/XX/year> which was incorrect as I had already returned the vehicle. 
Upon discovering the unauthorized charge, I contacted XXXX XXXX. Staff members XXXX and XXXX confirmed the error and assured me that a refund would be issued. Despite their assurances, I did not receive a refund from XXXX. 
I then filed a dispute with Citibank, explaining the situation and providing documentation of my communication with XXXX. However, Citibank concluded that the dispute was my responsibility, without providing a clear explanation or evidence to support this decision. 
I requested that Citibank provide me with the response from XXXX to their dispute investigation. To date, I have not received this information. 
I have attempted to resolve this matter directly with XXXX today on XX/XX/year>. I visited the XXXX location where I rented the vehicle and spoke with XXXX. She acknowledged the error and stated that she would issue a refund. However, this matter hasnt reached a resolution as of today yet. The phone number of this local XXXX XXXX  at XXXX Oh branch is ( XXXX ) XXXX. Citibank could call this number directly to verify my circumstances while their ongoing investigation. 
I believe that Citibank has failed to conduct a thorough investigation into this matter and has not acted in good faith. I have provided all necessary information to support my claim, and I have been consistent in my explanation of the situation. 
I am requesting that the Financial Consumer Protection Bureau investigate this matter and take appropriate action to hold Citibank accountable for their failure to resolve this dispute.

Thank you for your attention to this urgent matter. 
Sincerely, 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 monetary relief
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: NC

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

"

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 2024-10-15 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: GA

Complaint narrative:
I am a victim of identity theft, The information listed below which appears on my credit is the resort of that identity theft ..... 

XXXX Account # XXXX please remove it from my credit report XXXXXXXX XXXX Account # XXXX please remove it from my credit report XXXX XXXX XXXXXXXX XXXX  Account # XXXX please remove it from my credit report Please block this information from my credit within four business days, pursuant to section 605 C of the Fair Credit Reporting Act.

Please send me notification of the action taken, i appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
I am a victim of identity theft, The information listed below which appears on my credit is the resort of that identity theft ..... 

XXXX Account # XXXX please remove it from my credit report XXXXXXXX XXXX Account # XXXX please remove it from my credit report XXXX XXXX XXXXXXXX XXXX  Account # XXXX please remove it from my credit report Please block this information from my credit within four business days, pursuant to section 605 C of the Fair Credit Reporting Act. 

Please send me notification of the action taken, i appreciate your prompt attention to 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 2024-10-14 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:
This morning, I saw unauthorized inquiries on my credit report, and I dont understand how they got there. I always check my credit report, and nothing like this has ever happened before. I refreshed my browser, thinking it might be a mistake, but the inquiries didnt go away. Im asking for an urgent review of the documents I sent to resolve this once and for all. I am beyond frustrated that this happened.

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 2024-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: IN

Complaint narrative:
I am writing to file a complaint against Penn Credit Corporation regarding account number XXXX. I am being contacted by Penn Credit Corporation in an attempt to collect a debt that I do not owe. 

I believe this debt is inaccurate and does not belong to me. I request the immediate deletion of this debt from my credit report. Additionally, I ask that you provide details of any violations of the Fair Debt Collection Practices Act ( FDCPA ) that may have occurred, including but not limited to : Section 1692e : False or misleading representations in connection with the collection of a debt.

Section 1692f : Unfair practices in the collection of a debt.

Section 1692g : Failure to provide the required validation notice.

Please be advised that if this issue is not resolved promptly, I may have to take legal action, seeking {$1000.00} per violation, along with recovery of attorney fees. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$490.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-10-15 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$490.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a collection account named " XXXX '' on my credit report. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide a purchase agreement to show my ownership of such account. I have never sign or enter into a purchase agreement with them. I request the account be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
There is a collection account named " XXXX  '' on my credit report. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide a purchase agreement to show my ownership of such account. I have never sign or enter into a purchase agreement with them. I request the account be removed from my 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Navient, a student loan servicing company, regarding their predatory and negligent practices that have significantly impacted my financial, emotional, and mental well-being.

I initially took out student loans to finance my education, expecting that I would be able to repay them responsibly with the assistance of income-driven repayment plans. However, instead of being provided with information and access to such plans, I was repeatedly placed into forbearance. This decision was made without fully explaining the long-term consequences to me, resulting in an accumulation of interest and a ballooning loan balance that I simply could not afford.

Navients practice of steering borrowers into forbearance rather than assisting them with income-driven repayment options has created an insurmountable financial burden for me. Despite my attempts to seek help and clarify my repayment options, I was met with inadequate guidance and support. This lack of proper assistance has led to severe financial distress, emotional turmoil, and mental stress, affecting both my personal and professional life.

The financial stress caused by Navients actions has left me struggling to make ends meet. The constant pressure to make unaffordable payments has taken a toll on my mental health, causing XXXX  and XXXX. I believe that Navients actions constitute predatory lending practices, as they prioritized their financial gain over the well-being of their borrowers.

Given the circumstances, I respectfully request that my student loans be discharged. I firmly believe that Navients predatory behavior and negligent practices justify this action, as they have caused significant and unjust hardship.

I appreciate your time and consideration in this matter. I am hopeful that the CFPB will take appropriate action to address these issues and provide relief to borrowers like myself who have been unfairly treated by Navient.

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX account ( XXXX account number XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX account ( XXXX account number XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX, a personal CREDIT CARD account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), and a credit card account opened at XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ), a personal credit card opened at XXXX XX/XX/XXXX account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: TX

Complaint narrative:
Every time my XXXX XXXX  applies for anything, my credit drops. My XXXX XXXX XXXX got canceled today because my credit score has dropped significantly. My sister swears she uses her own name and information when applying but I know she doesnt have the credit score to get approved. Her car, credit cards, and whatever else has affected me and Im at a loss for what to do. Because its effecting my life at this point.

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