vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am in distress, having fallen victim to a distressing incident of identity theft. On XX/XX/XXXX, an unauthorized withdrawal of approximately {$1100.00} was made from my checking account. This transpired when my wallet, debit card, and cell phone were stolen by an individual I unwittingly brought back to my hotel, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. To make matters worse, this person XXXX XXXX and absconded with my belongings. 

Upon discovering the theft, I promptly reported the incident to the hotel 's front desk. Regrettably, their initial response did not involve contacting the police. It was only after I firmly insisted that they made the call, leading to a considerable delay of approximately two days before the police arrived. Unfortunately, the language barrier proved to be another obstacle as they did not speak English. Through the use of a translator on their phone, I tried to explain the incident and expressed my desire to file a police report. To my dismay, they informed me that this was not within their purview and that I would need to report the incident at a police station. However, they did not provide me with an address or any means of contact. 

In an effort to rectify this unsettling situation, I swiftly filed a complaint with Navy Federal Credit Union, the institution with which I hold my account, regarding the unauthorized transactions and withdrawals that had occurred in my checking account. I filed this complaint on approximately XX/XX/XXXX. In response, they assured me that they would temporarily credit my account with the stolen amount and conduct a thorough investigation into the matter. As a result, my account was credited with {$910.00} on XX/XX/XXXX. 

My hope was that justice would be served and I could be made whole again, but my optimism was short-lived. On XX/XX/XXXX, Navy Federal Credit Union abruptly reversed the credited amount, stating, " Based on a thorough investigation of your account activity, we have determined that no error has occurred. '' I am reaching out in desperation, seeking assistance and support in resolving this distressing situation, and to be made whole once more. Your understanding and help during this trying time would mean the world to me.

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 2023-10-30 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: CA

Complaint narrative:
Despite of my written request the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is the evidence that you can not and did not verify any of the disputed accounts like you said you did. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 

XXXX {$9100.00} XXXX {$4300.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX XXXX  {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
The credit card/banking companies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This/These companies rec 'd payments to properly pay the account ( s ) in the name of " XXXX XXXX XXXX '' XXXX 

Despite this/these tendered payment ( s ), said company ( ies ) refused to accept the same, without cause, and, it is believed that they did not return the payment ( s ) to the issuing agent, and simply deposited these monies into its/their general fund without properly crediting said account ( s ).

This/These companies then continued to send threatening billing notices, and made constant collection calls requesting payment ( s ). Despite my efforts to properly resolve any confusion, said companies have refused to obey the law, and continued to illegally request payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
On XX/XX/12 i completed application for recalculating my plan to XXXX which should cut my payment from XXXX something to XXXX. On XX/XX/12 it said it was received and processed. The website says it takes 15 business days to update. It has now been 34 with no changes, no notification, no end in sight. When you callt hey say it's a 15 minute wait and they will call you back, i wait almost an hour with no call back. I have to work, I can't wait on hold for several hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My issue is with XXXX XXXX XXXX and XXXX. In XX/XX/XXXX, my loan was transferred from XXXX to XXXX. Each payment is due on the first of the month. XXXX accepted my payment on XX/XX/XXXX as shown in the document of my bank statements on page 9. According to the notification of loan transfer, a check was requested for the first payment and that was cashed on XX/XX/XXXX. According to recent correspondence from XXXX on XX/XX/XXXX, that check was also applied to XXXX when it should have been applied to XXXX. This caused a trickle down effect of appearing as though my payments were a month behind, and it was discovered when XXXX reported a missing payment in XX/XX/XXXX. 

XX/XX/XXXX check of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 

A payment was never missed. I have called XXXX multiple times and submitted many online inquiries, and they refuse to make the corrections even with proof of my bank account statements. I did not choose for my loan to be transferred, I don't understand why the proof of the XXXX payment is not enough to fix it. 

If a loan is transferred, both companies should communicate payments. This has caused me great stress and has negatively impacted my credit while there is no valid reason.

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 2023-10-30 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: NY

Complaint narrative:
My issue is with XXXX XXXX XXXX and XXXX. In XX/XX/XXXX, my loan was transferred from XXXX to XXXX. Each payment is due on the first of the month. XXXX accepted my payment on XX/XX/XXXX as shown in the document of my bank statements on page 9. According to the notification of loan transfer, a check was requested for the first payment and that was cashed on XX/XX/XXXX. According to recent correspondence from XXXX on XX/XX/XXXX, that check was also applied to XXXX when it should have been applied to XXXX. This caused a trickle down effect of appearing as though my payments were a month behind, and it was discovered when XXXX reported a missing payment in XX/XX/XXXX. 

XX/XX/XXXX check of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 

A payment was never missed. I have called XXXX multiple times and submitted many online inquiries, and they refuse to make the corrections even with proof of my bank account statements. I did not choose for my loan to be transferred, I don't understand why the proof of the XXXX payment is not enough to fix it. 

If a loan is transferred, both companies should communicate payments. This has caused me great stress and has negatively impacted my credit while there is no valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: NC

Complaint narrative:
I have recently discovered that 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. The account starting in XXXX of 2021, XXXX of 2021, are the accounts in question. Knowing that 15 USC 1681 section 602 A : states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions, neither allowing by act 15 U.S.C 1681c. ( a ) ( 5 ) stating no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Lastly and ultimately, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 explanation
Consumer complaint received 2023-10-30 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Business Factors
State: NV

Complaint narrative:
Attempted to contact National Business Factor to pay off debts on my account, my wife was informed that we had new debt through this company and when she asked for debt verification she was denied, the representative stated if you havent received the last documents you wont receive these on a recorded line. Representative refused to take payment on accounts due that I have verified stating, its all or nothing we disconnected the call due to the representative noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has refused to honor its VISA debit card fraud guarantee. 

A fraud claim was properly filed as XXXX  XXXX XXXX charged {$590.00} for the creation of XXXX XXXX profiles and failed to create either one. 

Documents proving that neither XXXX profile exists are attached. The profile paid for under my name, XXXX XXXX XXXX does not exist, neither does the profile paid for under my business name, XXXX XXXX XXXX XXXX. 

Additionally, the E-mail message from XXXX XXXX XXXX GUARANTEEING THEIR SERVICES is attached as well. 
100 % Money-Back Guarantee No proof of either page creation was provided by XXXX XXXX XXXX. 
After Chase temporarily provided for a {$590.00} credit when they opened the claim, they just reversed that credit without my knowledge and without notifying me. 
The first Chase representative lied to me and told me that XXXX XXXX XXXX provided them with proof of the published profiles. This of course, is impossible as neither profile was ever published by XXXX. 
When I spoke with a supervisor, XXXX who refused to provide his last name, he also lied to me and told me that I had a agreed to a four-month wait time for the services, which of course, I never agreed to. 
Nevertheless, roughly XXXX months have already passed and neither page has been published. While XXXX XXXX XXXX  has refused to honor its GUARANTEE, Chase is supposed to honor VISAs GUARANTEE against such FRAUD. 
THE SERVICES PAID FOR WERE NEVER RECEIVED. CHASE IS BOUND BY VISA DEBITS CONSUMER PROTECTION GUARANTEE. 
The {$590.00} which was improperly reversed MUST BE CREDITED BACK TO THE ACCOUNT PER VISAS GUARANTEE. Chase may of course, chargeback {$590.00} to XXXX XXXX XXXX which has FAILED TO PROVIDE THE PURCHASED SERVICES AND REFUSED TO HONOR ITS WRITTEN GUARANTEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I called to report debit card fraud done on XX/XX/XXXX and XX/XX/XXXX for {$1200.00}. 
We reported this on XX/XX/XXXX. 

When the bank accessed our account, they said there was other fraud charges found from another company back in XX/XX/XXXX. And once they find fraud, they can only cover the fraud charges for 60 days. So any new event of fraud is non-reimbursable. 

They are refusing to reimburse the {$1200.00} that was taken out over a two day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: MD

Complaint narrative:
On XXXX at XXXXXXXX XXXX. XXXX ( XXXX at XXXX ) denied me my rights under the FCRA and CCRA to file a dispute of a Hard Inquiry placed on my credit report/file by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. A inquiry that I did not apply for to receive a hard inquiry. The Manager at XXXX stated to me directly that XXXX XXXX XXXX is bigger than FCRA and CCRA, that the Sections of the FCRA 604 ( b ) ( 3 ) ( F ), 609 ( a ) ( 3 ) ( F ), 611 ( a ) ( 1 ) ( B ), 623 ( a ) ( 1 ) ( C ), 611 ( a ) ( 1 ) ( A ), 609 ( a ) ( 3 ) ( A ), 605B, and FDCPA 809 ( b ) means nothing because our internal protocol out way all the sections you are stating. Now, by me being a victim of Identity Theft my claim nor my disputed should been denied.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
They called my place of work and spoke with coworkers about my tax debt. They were told previously that I was handling the debt with the state directly and to stop calling. Discussing my tax debt with my subordinates is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: NC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't 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 2023-10-30 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: MD

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
To date, I as the consumer, have consistently made complaints about the violation of my rights with the CRA and the companies that engage with them. XXXX, XXXX, and XXXX each continue to report inaccuracies without care to my privacy or the FCRA. The FCRA is federal and overrides all company policy. Furthermore, I was never given option to opt out of their services. While they took the liberty to obtain and distribute information, they are to remain fair and unbiased. They failed in that. 15 USC 1681, specifically 604A ( 2 ) states that a CRA can not furnish a account without my written consent. To date, I have not been contacted nor provided such consent. 15 USC 1681, 602A states my right to privacy. That has been grossly mishandled. DEPTOFED/AIDVANTAGE-account number XXXX DEPTOFED/AIDVANTAGE-account number XXXX DEPTOFED/AIDVANTAGE-account XXXX DEPTOFED/AIDVANTAGE-account number XXXX DEPTOFED/AIDVANTAGE-account number- XXXX DEPTOFED/AIDVANTAGE-account number- XXXX DEPTOFED/AIDVANTAGE-account numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In XXXX I took XXXX loans with Navient so that my daughter could go to college, I paid these loans for 17 years finished paying all XXXX loans in XXXX, and despite that they have this information right on their web site they are trying to get paid again!! This is fraud the have loans that just opened in XXXX my daughter is XXXX XXXX XXXX, and I as a single mother paid all my Navient bills as can be seen in the attached Navient screen shots. I also have a copy of all my payments!

Company response to consumer: Closed with explanation