vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: OH

Complaint narrative:
I ordered a scooter from XXXX. The scooter arrived, and the next day a second scooter arrived. I only ordered one scooter. I was then charged for both scooters. 

I called XXXX and they were not helpful. I took the second scooter into a XXXX store and they would not accept the return. They told me I needed to dispute it with my credit card. I have been in a dispute process with LCNB for months over this. They have denied the dispute multiple times and have sent me letters with incorrect information. I should not have to pay for an item I did not order.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently checked my credit file and saw some items that are incorrect. I tried reaching out to the bureaus, for these items be corrected but it is now taking some time. I need some results, as my life is now being affected negatively due to these items. These items are incorrectly reported, thus damaging my credit profile. Because of these, I am unable to find a job, unable to find a house. 

I need your help, for my rights to be considered. Please help get these items corrected and updated on my 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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit file and saw some items that are incorrect. I tried reaching out to the bureaus, for these items be corrected but it is now taking some time. I need some results, as my life is now being affected negatively due to these items. These items are incorrectly reported, thus damaging my credit profile. Because of these, I am unable to find a job, unable to find a house. 

I need your help, for my rights to be considered. Please help get these items corrected and updated on my 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 explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am astonished that any government agency that oversees these credit card companies has allowed them to increase the interest rates to double what they were a few years ago. 
I have excellent credit and have always had a rate of 12-15 % on my cards for years. 
Since I don't carry a balance I haven't paid interest for a long time. I just looked at my Chase Freedom card and realized that my interest rate is up to 25 %. That is outrageous. 
This is approaching usary by any fair standard. I feel sorry for people caught in the credit trap while the agencies and government offices that are supposed to watch dog this type of thing are asleep at the wheel, or worse, being part of the problem by allowing this insanity to prevail in an already wobbly world of finance. 

I want to see some action taken on this, I am sure I am among millions of people that know this is absurd and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Recently I submitted an application to Fifth Third Bank for a home equity line of credit I received a preliminary notice in the mail thanking me for applying and informing me of my credit score as well as their process for this particular mortgage loan product. I was asked to give demographic identifying information as part of the application process so fifth third could comply with fair lending regulations. A few days after submitting all required documents I received a call from a loan specialist and was taken aback by the extremely offensive counter offer they presented. Despite my credit score being well above their requirements and the credit line request being well below the 90 % LTV. Fifth thirds underwriters had the audacity to offer me a {$36000.00} line of credit against a property that holds more than {$200000.00} in equity. I find this offer extremely offensive because I have no doubt that an applicant of another demographic group with an identical financial position would have been offered four times this amount. Fifth third insulted my intelligence with this unreasonably low offer. Furthermore, I believe this to be an act of discrimination based on my race and the purpose I disclosed for the line of credit request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Citibank has been giving me the run around interms of my account. I was told that my account was being closed back in XXXX and that they were sending my funds that were in my account via check and the XXXX  could not give me a reason as to why it was closed and than they are telling me my account was reinstated just a whole bunch of lies they have hung up in my face. It has been longer than 90 days and they are still telling me the account is in process of closing they are the worst bank to work with and should be personally shut down because they do not try to help there customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, i am a chase customer, my account number is XXXX on chase, i didnt have any accounts with XXXX  or something similar and my account from chase was impacted with several withdrawals from a type of debit called XXXX  deposit , taking money from my account without my authorization, then i proceed to make the fraud report to chase and chase denied the claim saying to me like i have relationship with XXXX  XXXX but they dont prove nothing for me, i try to call XXXX  for ask for information and they didnt share any type of info with a third party person, i dont have any account with XXXX! Someone rob my money from chase. 

My claim number on chase is XXXX I submitted it, and then i send the letter yesterday monday XX/XX/year> via fax and on my chase online banking, they cant prove anything because they response unless 24h. Its crazy, i am going to a branch this week. I need responses

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
I have filed disputes in writing and electronically via XXXX XXXX XXXX XXXX amd 3 credit reporting agencies ' Credit Dispute Centers. 
To remove an old account. The account has been closed for 10 YEARS. XXXX, TransUnion, and XXXX refuse to remove a XXXX  XXXX XXXX  XXXX  account. According to their websites, correspondence, ( XXXX XXXX TransUnion.com, consumerfinance.gov ) and XXXX XXXX XXXX XXXX 's letters, closed accounts stay on credit reports for 7 years. The account for XXXX XXXX XXXX XXXX has been closed for 10 years. 
I have also contacted XXXX  XXXX XXXX XXXX directly. At XXXX regarding a letter I received. According to their letter : closed accounts stay on credit reports for 7 years. XXXX XXXX XXXX XXXX refuses to contact the credit bureaus to remove an old account. This is in violation of FCRA and their own policy. According o XXXX XXXX XXXX XXXX representative, they do not have a Credit Bureau Team although the letter I received is from their Credit Bureau Team. 

I have disputed the old account with all 4 entities. XXXX XXXX XXXX XXXX tells me to dispute it with the credit bureaus. The credit bureaus tell be to dispute it with XXXX XXXX XXXX XXXX. No one Is removing the old account

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
I have filed disputes in writing and electronically via XXXX XXXX XXXX XXXX amd 3 credit reporting agencies ' Credit Dispute Centers. 
To remove an old account. The account has been closed for 10 YEARS. Equifax, XXXX, and XXXX refuse to remove a XXXX  XXXX XXXX XXXX account. According to their websites, correspondence, ( EQUIFAX.COM, XXXX XXXX consumerfinance.gov ) and XXXX XXXX XXXX XXXX 's letters, closed accounts stay on credit reports for 7 years. The account for XXXX XXXX XXXX XXXX has been closed for 10 years. 
I have also contacted XXXX  XXXX XXXX XXXX directly. At XXXX regarding a letter I received. According to their letter : closed accounts stay on credit reports for 7 years. XXXX XXXX XXXX XXXX refuses to contact the credit bureaus to remove an old account. This is in violation of FCRA and their own policy. According o XXXX XXXX XXXX XXXX representative, they do not have a Credit Bureau Team although the letter I received is from their Credit Bureau Team. 

I have disputed the old account with all 4 entities. XXXX XXXX XXXX XXXX tells me to dispute it with the credit bureaus. The credit bureaus tell be to dispute it with XXXX XXXX XXXX XXXX. No one Is removing the old account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had applied for Credit Card from Wells Fargo Bank, which I never received it at all. 
After a while I started to receive statements to make a payments. I contacted the Fargo Bank right away. Then The Fargo Agent informed myself not to worry, keep making all the payments, then Wells Fargo will reimburse me all the payments back to my checking account. 
Time passed and I kept reporting it to Fargo Credit Card that I never received any new or replacement Credit Card. After a long time passed I kept calling and Complying to Fargo Credit Bank about all the chargers that keep appearing on this Credit Card ... XXXX and others numbers that were used prior to this card. 
I have reported this incident to all the institution about it, also I send documents informing Fargo Credit Card that my mail box were broken into numerous time.

After a long while I called Fargo Credit Card again saying why I have been charged for all these fraudulent chargers. Then Fargo Bank told me again not to worry nor to making any payment on it. 
Assuring myself again that all will be solve soon and I will get all my payments back to my Checking account. So far Fargo Credit Deportment misguided me with all the payments lying to me about sending me new Credit Card and my money back.. But behind my back they FARGO reported this case to collection agency and to Credit Bureaus, That I am owning them money about XXXXXXXX XXXX  All those chargers are not mind Please help me to clear all of this and to get all my money back. I am Victim of fraud and Fargo Should protect my identity, not letting some else to use it. 
Thank you 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 2024-04-30 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I did not give any permissible purpose for anyone to run my credit. I am wanting those inquiries to be delete it immediately. Inquiry name : NAVY FCU Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Due to misconduct by XXXX XXXX  my federal loan was discharged. I reached out to Sallie Mae in XXXX when these loans were added to my account. I initially applied for a {$1500.00} loan for a laptop via Sallie Mae. However, XXXX XXXX  ran my information for tuition without my consent, which was reported to Federal Student Loan. I have requested a copy of my physical signature for each loan applied to my private loan account, but Navient has been unable to provide it. I have filed multiple complaints against XXXXXXXX XXXX  and Sallie Mae. Unfortunately, Sallie Mae sold my accounts to Navient, and I am currently experiencing difficulties in resolving the loans associated with my account. I am being given the run around in this matter. In XXXX, due to the impact of this loan, I filed for XXXX XXXX and informed Navient in writing through the United States Federal District Court. Navient did not appear in court or object to my XXXX XXXX filing. Representatives from Navient asked for a copy of my discharge and stated that I needed to wait for the Federal Court 's decision regarding my borrow defense case. My loans have already been discharged through the Borrowers Defense, and yet Navient continues to call for payment. I have already paid for my computer more than five times, and this debt should have been discharged following the borrower defense ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Personal Cash Loans of SC, Inc.
State: GA

Complaint narrative:
Last year my friend XXXX XXXX took out a loan last year with Kinsmith loan company, XXXX XXXX  She got behind and they are calling her everyday along with calling me and our job which is getting beyond harassment!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX, XXXX XXXX, Lvnv funding, XXXX have all refused to validate or show any signatures or photo ids used in this fraudulent activity against me.What they report is untrue, incomplete, and inaccurate... in fact it's fraudulent and they know it.This is fraudulent what these entities are slandering my credit report with causing me great distress and and XXXX of multiple other damages and the know it, can't validate, as it don't exist, it's not mine, and I do not owe them anything.In addition to their fraudulent credit reporting, thereby engaging in fraudulent activity against me themselves they in addition to the great damages they have caused have violated many rules and my rights.I have nothing to prove to them, their predicated and mandated to prove to me through validation which they have refused to do as they cant as it don't exist, it's fraudulent, it's not mine and I don't owe them anything.In addition after failing to adhere in good faith to the rules the have been told to remove as what they report is supposed to be accurate, complete, and truthful and its none of these in fact it's fraudulent.Theyve further violated multiple times more with XXXX and XXXX and have been officially put on notice of which they violated cease and desist among other dishonest tactics of trying to gain off of their intentional fraudulent credit reporting.Will not hsppen.They all have been put on notice for their dishonest fraudulent and damaging violations against myself.Remove all fraudulent credit reporting against me as you all have been put on notice and totally disregarded that as well which adds to the list of violations as and dishonest fraudulent damaging activity all entities listed above have engaged in blatantly with total disregard for rules and my rights or just honesty in general.Again stop engaging in fraudulent credit reporting against me.It is fraudulent, it is not mine, and I do not owe anything. 

In addition : All have been officially put on notice they didn't even have my address til they seen it on my complaint against these frauds on my CFPB complaint, at which time they attached my real address to their fraudulent credit report against me to make it look more credible, but were caught.You failed and your scam is exposed and has been put officially on notice you've all shown total disregard for still.This is not acceptable, its outrageous and disturbing and their dishonest fraudulent practices should never be allowed.All lies against me and my name will not be tolerated.

Company response to consumer: Closed with explanation