vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Last XXXX my Credit Karma account was hacked ; the hacker made a purchase of {$5000.00} at a XXXX XXXX in Indiana ( # XXXX XXXX XXXX XXXX XXXXXXXX, INdiana ) the funny thing is that I live in XXXX  and at the time I was at home. I got a call from Credit Karma Fraud Line and the asked me if I authorized this transaction, I said no ; they sent text message with a code but that code never worked. Tried that 3 times. After that I got a push notification saying that a transaction was made for {$5000.00} I jumped on my computer and logged into my account. I went to my security page and realized the phone number was changed. I called credit Karma and after a long wait I got a hold of somebody and filed a claim. The person mentioned the thief downloaded the virtual card and made the purchase. The supposedly locked my account but the day after I got a called saying that somebody tried to use my card at XXXX. The code never worked again but this time the transaction didn't go through. I am trying to get them to return my money but they only say we are on it, do not worry. No temporary credit or anything. Now my my money is locked and I can't get it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: LA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Please see supporting documents for my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: CA

Complaint narrative:
Title 18 U.S. Code 1342- Fictitious name or address imposes a penalty where one " shall be fined under this title or imprisoned not more than five years, or both. '' The following names are a violation of Title 18 U.S. Code 1342 and I demand their immediate removal from my Consumer Report and Consumer File 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 THE ONLY MAILABLE ADDRESS AND ACCURATE IS ADDRESS IS AS FOLLOWS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: CA

Complaint narrative:
Title 18 U.S. Code 1342- Fictitious name or address imposes a penalty where one " shall be fined under this title or imprisoned not more than five years, or both. '' The following names are a violation of Title 18 U.S. Code 1342 and I demand their immediate removal from my Consumer Report and Consumer File 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  THE ONLY MAILABLE ADDRESS AND ACCURATE IS ADDRESS IS AS FOLLOWS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
XX/XX/year> I made two separate deposits of {$500.00} each time, bringing my account balance to {$860.00}. This amount was deposited to make my house payment. On XXXX XXXX XXXX I received an email stating that my account was closed effective immediately. I have called the customer support as of now ( XXXX ) 4 times. All 4 representatives refuse to provide any information other than my account was closed because it was not in compliance. When I asked what was not in compliance, they refuse to provide an answer. They refuse to provide me with contact information to someone who can answer my questions, and they refuse to tell me how I can retrieve my money that I deposited yesterday, as well as my direct deposit of {$760.00} from my employer that I received on XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> I have been informed by a Chime Representative in the fraud department that I do not qualify for a closure check although I have receipts that confirm my two cash deposits as well as my payroll check stub.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Today when i pulled my free credit report at annual credit report.com I noticed I had a bunch of errors on my credit report that was hindering my financial well-being Since then I have tried to reach out and contact the credit bureaus but was unsuccessful. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do Not and have not Lived at these addresses With the amount of identity that's going on I am fearful somebody might take my ID and use it on the dark web so today I am taking preventative measures to assure my identity is never compromised again.

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 2024-05-22 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Today when i pulled my free credit report at annual credit report.com I noticed I had a bunch of errors on my credit report that was hindering my financial well-being Since then I have tried to reach out and contact the credit bureaus but was unsuccessful. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do Not and have not Lived at these addresses With the amount of identity that's going on I am fearful somebody might take my ID and use it on the dark web so today I am taking preventative measures to assure my identity is never compromised again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC
State: NJ

Complaint narrative:
I'm looking over my credit report and notice this company Reliant Capital Solutions. I have NEVER done business with this company and have never given them permission to report such information on my credit report. Additionally, this company has violated my consumer rights heavily. Under 15 USC 1692g, this company was suppposed to send me written notice with the amount of debt, name of creditor, my rights to dispute the debt WITH FIVE DAYS and I did not receive it. This company has been " verifying '' to 3rd party credit reporting agencies that this alleged debt is mine and valid without providing any proof to me or those agencies of how they are verifying and providing me a copy of the " evidence '' they are using to do so which is a violation of 15 USC 1692G ( c ). I have not admitted to ANY liability to this alleged account. I am demanding Reliant cease reporting of this information to credit agencies as they were never given my permission to do so. I demand to see the contract I signed with Reliant making me legally obligated to pay this account. I want to know who their client is that sold my information to them. I want to know if this client filed an insurance claim for this alleged " deficient '' balance and I want all of this info for my review in 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-22 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: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
On XX/XX/2023 ( over a year ago ), the consolidation process of my 6 original loans into one new consolidation loan was finalized, and Aidvantage was no longer supposed to be my student loan servicer, because I had selected XXXX as my new student loan servicer during the loan consolidation application. However, despite correctly listing the balance of my XXXX original loans as {$0.00}, Aidvantage has repeatedly refused to close my XXXX original loan accounts, and has also refused to issue me an official paid in full form. When I log into my Aidvantage account, my XXXX original loans have a balance of {$0.00}, but their " end date '' is listed as XXXX, their status is listed as " consolidated '' instead of the correct " Paid in Full by consolidation '' and the payment plan is listed as " Paid in Full '' ( the problem is that there is no such thing as a payment plan called " Paid in Full '', because " Paid in Full '' is a loan status that Aidvantage refuses to apply to my XXXX original loans in their internal system. I will provide the screenshots for that ). XXXX successfully received my new consolidation loan on XX/XX/2023 and I have never missed a payment. The StudentAid.gov FSA complaints office has been ignoring my case for 6 months now. The case number for the StudentAid.gov complaint that I filed in XXXXXXXX XXXX XXXX is XXXX. The Student aid.gov office has repeatedly refused to escalate my case to their Ombudsman office, and this is the reason why I'm contacting the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: LA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-22 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: LA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
The Credit Card Issuer and Billing Company are the same : USAA ( united Services Automobile Association ), I a member XXXX. 

The company sent out a renewal notice in XXXX at the same time the insurance was being revised. They billed based on that renewal notice but then issue the policy was revised for {$200.00} less ( a car was removed ). I requested that they credit the card ( USAA Issued ) with the actual current policy amount. 

By phone I was told that USAA does not credit back changed policy amounts, even though the billed amount was not due. They sated that the change would be issued as a credit on some subsequent policy charge. Effectively they issue a charge on the card for services not provided. 

They aske for evidence. I sent them there invoice ( attached ) They responded ( attached denying the disputed amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
I purchased several appliances from XXXX XXXX financed through 'Citizens pay ' by Citizens Bank . This was on approximately XX/XX/XXXX. I also purchased {$800.00} worth of warranties for the appliances. I did receive the appliances, but around XX/XX/XXXX, I was informed that XXXX XXXX ( the business selling the products ) went out of business and never paid for the warranties to the third party supplier. Citizens bank was informed by me and others about the situation, but after 3 months still has not removed the amount I paid for the warranties. I have provided them with invoices and information about the situation and they keep telling me there is no update. These charges were financed through Citizens Bank and will begin to incur interest in XXXX of XXXX. I am still making monthly payments, which is a percentage of the total amount, which does include the warranties. 

I need to have these warranty charges removed because I never received the products.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Please contacting me through email. Thank you! 
On XXXXXXXX XXXX, I opened a saving account on Marcus by Goldman Sachs. 
After that, I graduated from university, so my personal information were changed, including the address and phone number. 
This year, it was already one year and I need to get my money and interests back. So on XX/XX/XXXX, I called Marcus by Goldman Sachs, I gave them all my information, including my ssn, date of birth, and my secret word, and asked them if they could first change my phone number and address. They told me they needed to raise a case for the review team to look at this and asked me to call back after 3-5 business days. On XX/XX/XXXX, I called back and they told me the same. Then on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I called back and only received the same feedbacks, they needs review team to review, call them later. On XX/XX/XXXX, which is today, I called back and asked if they helped me change the information. However, what they told me was that they closed my account without my permission and did not tell me where my was transfer to. My only request all the time was changing my phone number, but they just kept let me waiting and suddenly they closed my account without informing me or helping me change the number. 
I guarantee that everything I say is true, as evidenced by phone recordings, and I have always emphasized that no matter what information they need, I can provide it, including my ID. But without any communication with me or my permission, they closed my account at will and emptied my deposits. They did not ask me where the deposits needed to be transferred, and they refused to tell me where they had transferred the deposits. In my eyes, this is no different than outright stealing. Therefore, I can only turn to your side. These savings are the money I saved little by little when I was in XXXX, hoping to pay for my own XXXX XXXX. I hope to punish unscrupulous bank. I prefer contacting me by my email address. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just got a copy of my credit report. I noticed that you are reporting this account incorrectly. this collection account is not only reporting as PAID/CLOSED, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. please provide me a copy of my new credit report reflecting this account removed upon completion

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I contacted the company to cancel my trip and was told I needed to contact the merchant XXXX XXXX to make that cancel request and that merchant would notify them ( XXXX ). I followed XXXX advised and made contact with XXXX XXXX to cancel my trip, they cancelled my trip ( confirmation code XXXX  ) on XXXX/XXXX/2924 at XXXX XXXX. At that point I thought everything was final due to what XXXX advised me to do, but then they withdrew XXXX additional payments out of my banking account. I made contact with XXXX at that time to see what was going on and they refused to cancel my loan when I provided them the cancellation information and proceeded to harrass me with threatening phone calls and emails. XXXX then lied reporting false information to the credit bureau in error causing me to drop my credit score by XXXX points. I want them investigated for reporting false information and have them reverse what was 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 explanation