vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-11-13 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: IA

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate. I've reached out several times, and the inaction is damaging.

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 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied and was accepted for a credit card with Citibank the first week of XX/XX/year>. The card was never mailed out to me. I called after 3 weeks who said they'd send a replacement card in 4-7 business days but in order to track and expedite shipping they'd have to report the card as stolen? After 2 more weeks after I didn't receive the replacement card I called Citibank who said this was not shipped tracked or expedited. 

There is a 3 month promotion with this card, which is why I got the card and now I'll have less than half the time to fulfill this promotion assuming they decided to actually ship the card out to me. I have done research and this seems to be a common theme with Citibank credit cards where they delay or don't send it. They're running out the clock on a promo.

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 2024-11-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
XXXX is a compliant i filed, they said they paid the {$70.00} balance and closed the account. I was under the impression that they could not charge anything while this is being resolved. Yet they have. 
Today I got a XXXX $ bill from them. this is the amount they charge for late fee. 

Since billing can not be done while we are in this process, and they paid off the balance i do not understand why they can bill me any money. I have not purchased anything. 
this is retaliation as there is no phone number on the attached bill from them. 
Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I initiated a rollover of my HSA from Optum Bank. They did not initiate a transfer and every time I called, they said they never received any document from XXXX. 

After a month and a half of back and forth, I finally called with a 3 way call with XXXX on the line and Optum Bank told me they had the form all along in their system. 

They then re-intiated a transfer, but I was just told via email that the account number they had on file was wrong, and I had to re-submit the form under a new account number that doesn't seem to belong to my account at all. Then the person who was helping me said he was conveniently going on XXXX XXXX and disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
I am writing in order to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act Section 605, which requires the removal or blocking of information resulting from identity theft. 

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-14 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My report includes unauthorized inquiries, which breach 15 USC 1681b ( c ) ( 2 ). These are harming my credit score, so I ask for their removal.

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 2024-11-13 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: FL

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Some one stole my phone an wallet took my card cashed two checks on it an got the XXXX off top an they both bounced it was out my control a.nd they won't fix my account an won't let me back in my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: RI

Complaint narrative:
Im requesting your support to address this incorrect account reported on my credit report. It has harmed my reputation as a customer, and I need your help. This account should be removed, as it is inaccurately and negatively reported.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-13 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: MA

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

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 2024-11-14 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Unauthorized hard inquiries have shown up on my credit report, violating 15 USC 1681b ( c ) ( 2 ). This incorrect information is lowering my credit score. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: NY

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2024-11-14 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:
To Whom it may concern I am writing to formally request the blocking and deletion of fraudulent accounts and information that have been placed on my credit report due to identity theft from a data breach. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 605B ( 15 U.S.C. 1681c-2 ), to have this fraudulent information removed from my credit report immediately. You are in violation of the XXXX XXXX XXXX XXXX, clearly violating my privacy. 
The following accounts were opened fraudulently and are violating my privacy rights as a consumer by remaining on my credit report : Account Name : XXXX # XXXX {$29000.00} Account : XXXX XXXX XXXX {$36000.00} This fraudulent information is a clear violation of my consumer privacy and protection rights under both federal and state laws. It has caused undue harm to my credit profile and threatens my financial security. Allowing such information to remain on my credit report is a breach of your duty to protect consumers sensitive information. 
To support my request, I have included the following documentation : 1. Identity Theft Report : A copy of my Identity Theft Report filed with the Federal Trade Commission.

2. Proof of Identity : A copy of my government-issued ID and Social Security card to confirm my identity.

3. Proof of Residence : A recent utility bill as proof of residence. 
I request that you block and delete this fraudulent information from my credit file within the legally required timeframe, as outlined in the FCRA, and confirm this action in writing. Should this request be ignored or delayed, I reserve the right to pursue further action, as this constitutes a violation of my consumer rights and privacy protections. 
If you require additional information to process my request, please contact me directly at XXXX Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024 my banking institution Chase bank placed a duplicate charge on my account after I had reordered my debit card. The initial charge was placed prior to me ordering the new debit card at the instruction of local chase branch employees who reassured me that if I reordered the debit cards that any charges made before would be cleared and not interrupted. This was on a Thursday. Friday morning I woke up to find that my account was in the negative by nearly {$500.00}. I spoke with multiple chase employees both in person and over the phone who all insured me that this had to have been a mistake with the merchants and that I should contact them. So for days, Friday, Saturday, Sunday, Monday and eventually Tuesday my account remained helplessly overdrawn all because of a Chase error. Tuesday I was able to speak with a claims supervisor who was able to issue a temporary credit to cover the duplicate charge which I later learned was actually a " force post '' or " double charge '' by Chase after I reordered the debit card. When I brought this issue to chase they were hesitant to assist me as I believe that they were aware that this had actually been their mistake all along, supervisor XXXX ensured me that the only way to file a formal complaint was by letter to the executive office which I intend to do as soon as possible. 

Overall my issue is the way at which the situation on the XXXX of XXXX was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I recertified my loans in early XXXX because my IDR recertification date was later that month. However, approximately one week later, I received an email saying that IDR recertification dates were delayed to XX/XX/year>. I requested that my IDR recertification application be withdrawn and canceled. Initially, they told me over the phone that this would be possible. However, later received an email saying that they were unable to do this. I have looked extensively online and also talked with friends who have been in some other situations, and I know that lenders are and should be able to cancel the XXXX recertification applications, especially if they are at fault for not notifying borrowers in time that their dates have been delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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