vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime banking/XXXX I closed the account in I'm still receiving notification that the bank account is still active in someone is using it and I haven't had it active in months closet to a year now the amount was somewhere around {$2000.00} last reported onto my credit report

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

Complaint narrative:
Hi EQUIFAX, I just received a copy of my credit report and I found those 3 fraud inquiries that shall delete from my credit report. 


XXXXXXXX XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX, INQUIRY DATE : XX/XX/year> Never do any business with those people.

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

Complaint narrative:
Hi EQUIFAX, I just received a copy of my credit report and I found those 3 fraud inquiries that shall delete from my credit report. 


XXXX XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX, INQUIRY DATE : XX/XX/year> Never do any business with those people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-11-11 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-11-11 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: GA

Complaint narrative:
XXXX  Block Request pursuant to section 605C of the Fair Credit Reporting Act To Whom It May Concern, I am a victim of XXXX. I confirm the following information listed below which appears on my credit report is the result of that XXXX. Attached are all the required documents from my attorney and the appropriate authorities.

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 2024-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation
State: NH

Complaint narrative:
I purchased a bedroom set from XXXX through fortiva for a loan amount of XXXX i called to set up auto pay so that my loan amount would be paid off on that 1 year mark. My first payment was for XXXX and then XXXX until it was paid off. I paid each and every payment on time. I saw today that they were still charging me and it's for a much higher interest rate that was initially discussed. When I purchased the bedroom set it took almost 2 months to recieve the set because every time it came it was broken or missing parts. They told me that my one year wouldn't start until the set was confirmed I recieved. Fortiva told me that my one year ended in XXXX which is also a mistake on their part. I set up what they told me to set up in order to have this card paid off and they gave me incorrect information. I never missed a payment either. The balance is much lighter then it should be at the interest rate that was discussed.

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 2024-11-11 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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

Complaint narrative:
I sent another round of dispute letter XX/XX/2024 to send proof of my correct address to Experian and XXXX with no success. I sent out two separate letters explain the importance of an ACCURATE consumer report. I'm reaching out to agency for support on this ongoing situation. Experian and XXXX keep sending me back STALL LETTERS instead on correcting the information.

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 2024-11-11 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
When the report was despised with the credit reporting of XXXX XXXX etc {$3400.00} For it was inaccuracie. XX/XX/year> the card exped Navy federal wouldnt renew it To this day the inaccuracy has not been removed and never answered about it I say it was never true, but very damaging

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

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
My debit was used to purchase a vehicle, the down payment. I contacted the bank and informed them that this transaction was not authorized by me. I also requested return of the vehicle from the company. Both ignored me. I even informed the person to return the return the vehicle. Neither one would assist me told me there was nothing either could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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 recently reviewed my report and notice some fraudulent accounts on my report. Please remove these accounts off my report. They are hurting my ability to obtain 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 2024-11-11 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: NY

Complaint narrative:
I recently reviewed my report and notice some fraudulent accounts on my report. Please remove these accounts off my report. They are hurting my ability to obtain 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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX is when I called to see if I could open my acct because I found out that my acc has been closed & was charged off to collections I wasn't informed that my acc was closed or what sent me into over draft

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am unable to provide specific dates or amounts, as this issue has been ongoing over a period of time. However, I have previously contacted the company regarding similar concerns. Currently, I am facing an overdraft balance due to charges applied several days after transactions were made, which impacted the available balance in my account. I would appreciate assistance in addressing this issue.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
charge excessive overdraft fees on stuff i wasn't suppose to get charged i would get charged overdraft fee for every pending charged that was already charged off my card, just was pending then they rearrange my transaction to make it look right. also money that was refunded from a rental car company that never deposited to my account

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 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I called American Express customer service to inquire about the total amount needed to pay off a payment plan I had enrolled in about a month earlier.

I was transferred to the " Plan It '' department, which handles this service. The representative informed me that to complete the plan, I needed to pay the " total balance, '' which was approximately {$4600.00} ( plus a few cents ). He advised me to pay {$4600.00}. When I asked if paying that amount would mean I wouldn't incur any more fees for the plan, he assured me that I would be all set.

I went ahead and made that payment.

However, when my XXXX statement arrived, I was surprised to find a Plan fee of {$32.00}. I called the " Plan It '' department again and was told that I had not fully paid off the plan yet and still had a balance of over {$50.00}. I inquired whether there was any record of my call on XX/XX/XXXX, but I was informed that there was none. The representative mentioned they could review the conversation to clarify what had occurred.

It doesnt make sense that I contacted that department specifically to ask for the total amount needed to pay off the plan and ended up being short by over {$50.00}. Why would I want to pay {$32.00} instead of that amount?

I requested to speak to a supervisor and was transferred to the " Plan It '' manager, XXXX XXXX She stated that someone would contact me back. I expressed my desire to pay off the plan, as I wanted to avoid any additional charges from the bank. That was the purpose of my call on XX/XX/year>. I also requested that the plan fee be removed from my account. 
Throughout my time as an American Express customer, I have never experienced issues like this. However, it seems to me that they are either not doing their job properly or providing customers with incorrect information, which results in unnecessary charges. I wonder if they are trying to increase the bank 's fees to favor the financial entity. If that is the case, it is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX  Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute of Inconsistent Reporting on Car Loan Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my CLOSED car loan account, XXXX XXXX XXXX ( Account Number : XXXX ) as reflected on my Equifax credit report. It has come to my attention that this account is showing as " open '' on Equifax, while both XXXX and XXXX report it as " closed. '' Additionally, this account is inaccurately reflecting XXXX late payments with Equifax and XXXX that are not substantiated by my records. 

This inconsistent reporting is completely unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and reliable information. The discrepancies between the credit bureaus not only confuse potential creditors but also severely damage my credit score and financial reputation. 

I demand an immediate investigation into this account to address the following : 1. Clarification of why this account is reported as " open '' on Equifax while being marked " closed '' with other bureaus. 
XXXX. XXXX of the alleged XXXX late payments, including specific dates and details that support this claim. 

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

Your prompt attention to this matter is not only expected, it is absolutely necessary. I will closely monitor your response and pursue any necessary actions should this dispute remain unaddressed. 

Sincerely, XXXX XXXX XXXX XXXX : Copies of supporting documents, if applicable

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

Complaint narrative:
On XXXX XXXX I mailed a letter to the courts inquiring information about the reporting of information on my credit report which they stated they did not report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-11-11 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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

Complaint narrative:
This complaint about inaccurate information in one of my credit report 's accounts has been made repeatedly. Even after sending numerous objections and including documentation that demonstrates the mistakes, the information is still reported incorrectly.

In accordance with 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting organizations must guarantee that all information is 100 % accurate.

Company response to consumer: Closed with non-monetary relief