vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 explanation
Consumer complaint received 2024-04-03 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 2024-04-03 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: IL

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hi, I previously requested that the bank make payments 1 ) automatic and 2 ) allowable from other banks. Currently you have to schedule each month or send in a check. It is now XX/XX/XXXX. This is not practical and is making it more possible for people to miss payments. My first issue on this was noted on XX/XX/XXXX. This has not been updated even though they said they were working on it. This needs to change because I am certain people are missing their payments because you can not perform automatic transfers from other banks. 

Moreover using the automated system does not properly work and they force you to speak with someone. First this is challenging because you need the automated system to work for you to contact someone and second, chatting with the operator is a hidden option where you just click " XXXX '' because they likely don't want you to know this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to bring to your attention a concerning issue I have encountered with XXXX, regarding my student loan account XXXX. Despite my attempts to resolve this matter directly with XXXX, I have not received a satisfactory response, and I am seeking your assistance in addressing this matter. 

On XX/XX/year>, I submitted a formal request to XXXX  for validation of debt pertaining to my student loan account. However, to date, I have not received any acknowledgment or response to my request. Instead, I have noticed that XXXX unilaterally increased my interest rate without providing any explanation or prior correspondence regarding such a change. 

Furthermore, I was alarmed to discover that the agreed-upon forbearance date was unexpectedly moved up without any prior notification or explanation from XXXX. This unilateral action has caused significant inconvenience and financial strain for me. 

As a conscientious borrower, I believe it is my right to receive transparent and timely communication from my loan servicer regarding any changes or updates to my account. However, the lack of response to my validation of debt request, coupled with the arbitrary changes to my loan terms, has left me feeling frustrated and unsupported. 

Under the FDCPA, if a consumer requests validation of a debt within 30 days of being initially contacted by a debt collector, the debt collector must cease collection activities until they have provided verification of the debt. Additionally, if the debt collector fails to provide validation of the debt, they are prohibited from continuing collection efforts, and they must cease reporting the debt to credit reporting agencies. This requirement is outlined in section 809 of the FDCPA. 

I kindly request your intervention in this matter to ensure that XXXX provides a prompt and satisfactory response to my validation of debt request, as well as a clear explanation for the sudden changes to my interest rate and forbearance date. Additionally, I would appreciate your assistance in ensuring that XXXX adheres to fair and transparent lending practices in their dealings with borrowers. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of 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 explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
A few days ago I sent money to a guy in order to purchase a gaming account. The guy scammed me for XXXX and never returned the money. I contacted my bank in hopes to get my money back through a claim but I was denied even though I have proof. I resubmitted the claim and now Im getting silence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
Chime allowed a transaction to take place at XXXX on Friday, XX/XX/XXXX for {$14.00}. I did not make this purchase at XXXX. I received an email from Chime stating that someone had tried to use my debit card at XXXX and because that individual put in the wrong pin number, Chime canceled the transaction. However, the money is still missing from my account and no one at Chime can tell me why. My mother and I were also promised {$100.00} dollars for referring her ( XXXX  XXXX ) to Chime and they refuse to pay us. I have XXXX other transactions that were canceled by XXXX XXXX for {$42.00} and XXXX for {$45.00} that Chime has failed to return to my balance. I requested that my Chime account be closed permanently and Chime agreed to do so on XX/XX/XXXX, I believe. I am worried that Chime will close my account without refunding any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On Friday XX/XX/XXXX, TD Bank wrongfully withdrew funds from my checking account, froze my account and was very difficult and rude when I demanded to know why. In the end there was a subpoena for someone with the same name as me so instead of checking to see if they had the correct person they simply withdrew the funds and froze the account. 
It took almost the whole day to correct this and TD did very little to help. People on the phone were rude and withholding and we had to ask multiple times to see the subpoena before they would send it over. 
A branch manager had to try multiple times to get to the right person to unfreeze the account. They didn't even want to unfreeze it as they said we had to go through the lawyers of the company suing the other guy with the same name as me! Why would it be MY responsibility to fix THEIR mistake?? I don't know these lawyers and what if they don't talk to me? 
I had to miss an entire day of work, had to pay a babysitter, and it caused a lot of stress. Eventually we got the money back but the whole situation was absolutely outrageous, unacceptable and TD Bank handled it so poorly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: GA

Complaint narrative:
This is a request for my personal information to be updated with Experian, XXXX and XXXX. I made this request on XX/XX/. The information has not been corrected, nor have they responded to my request.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a non-existing account to the credit reporting agencies. I do not owe this collection agency ; I have never signed a contract with this collection agency. The collection agency is trying to collect a debt that is over XXXX years and XXXX  days. The collection agency is fraudulently trying to collect on a debt that does not exist or belong to me. The collection agency has not supplied the first delinquency date to prove the age of the debt, nor have they provided any of the requested validation of debt 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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: KY

Complaint narrative:
I paid off my XXXX XXXX loan from Money Lion on XX/XX/XXXX of this year.. on XX/XX/XXXX Money Lion reports to the XXXX agencies that the account is a charge off and then I owe {$47.00} or did they charged off XXXX and something but still owe XXXX the loan is paid off. I disputed it once came back They said they corrected everything and everythings accurate. it also dropped my credit score by XXXX points..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
When I opened my secured credit card, the credit limit was determined by my hold of {$400.00}. I opened it in XXXX XXXX. Over a year later and they are claiming they need to hold an additional {$300.00} but my credit limit did not go up, it was without my permission, and they could not explain it any further as a hold but I already deposited {$400.00} when I initially opened the credit card. Customer service gave me attitude and so did the manager. This violates the terms and conditions. Why hold 2 different amounts??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is holding my available credit XXXX for 15 days without notifying me. I was not notified of this hold, nor is this hold specified in my card member agreement. This has happened multiple months in a row. Last month was a XXXX hold, this month its 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 2024-04-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TN

Complaint narrative:
The card gets declined.

When I try to log in over the telephone and online, I receive an error stating my card details ( XXXX digit card number & XXXX digit code on the back ) are incorrect. They are entered exactly as shown on the card. The card is not expired.

Customer service & online help ( XXXX ) asks for personal details including a copy of my photo ID, address, and telephone number which I am unwilling to provide. Based on the number of issues/ complaints against this company, they can not have the above personal identifiers for any reason.

This is {$100.00} USD on a XXXX gift card that we can not use.

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 2024-04-03 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-04-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Americor Funding, LLC
State: CT

Complaint narrative:
I signed up with a debt relief company called Americor to fix my credit, my debt, and they didnt tell me that my credit score was going to go down XXXX points now I cant even get a home equity loan because my credit is so low

Company response to consumer: Closed with explanation