vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: DC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Inquiries on my credit report that authorization wasn't given to. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: SC

Complaint narrative:
Commencing on or around XXXX XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: GA

Complaint narrative:
Subject : Urgent Matter - Identity Theft and Credit Profile Concerns Dear Credit Reporting Agency, I am XXXX XXXX, and I find myself in a distressing situation that requires immediate attention. My identity has been compromised, leading to significant damage to my credit profile. Despite seeking help repeatedly, my efforts have not yielded the resolution I desperately need. 

I am writing to address the unauthorized use of my social security number and card, which has resulted in accounts being opened without my consent. I want to emphasize that I did not authorize these accounts, nor do they have any connection to my actions. This situation is particularly alarming as it not only affects me but also jeopardizes the well-being of my children and my livelihood. 

I kindly request that you promptly remove this damaging information from my credit file within four days of receiving this letter, in accordance with 15 U.S. Code 1681c2. 

Furthermore, as a consumer, I am entitled to know the steps your agency has taken to ensure the accuracy of these items, as outlined in 15 U.S.C. 1681i ( 7 ). I request a thorough description of the verification process, including the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available. Please provide this information within 15 days of receiving my request.

I urge you to take immediate action to rectify this situation by removing all unauthorized accounts and inquires associated with my name. 

Sincerely, 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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my XXXX XXXX. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

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 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
the third party is trying to collect from a debt I don't know of. The agency failed to report validation of the debt that was owed to them, they also failed to show license and right to collect debt in the state of Florida where I reside. The agency violates the FCRA and is trying to ruin my credit report by reporting a debt I don't personally owe to them.

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 2024-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX reporting inquires on My credit on dates of XXXXXXXX XXXX, XXXX inquires reported from my bank I have good standing, having no phone provided for it with being subject to being burdened on credit and me wanting it resolved. 

Isnt XXXX is obligated by the FCRA to report accurate accounting. consumer has advised All the inquiries reported was fraud. Said company Had 4 Day according to Law to remove XXXX has 15 days to provide me with the name of the person spoken to. Documents user signed application with consumer wet ink signature. Consumer in not asking e-XXXX report. If XXXX does not have documentation to show there were in fact authorized it must be removed asap. Said company is liable under SEC to follow certain rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
This is also part of another complaint with case number XXXX I had a direct deposit post to my account XXXX and it's my only source of funds and navy federal is holding my funds from me XXXX was my XXXX check now I can't pay my rent and I'll be evicted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/23 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within XXXX business days. Thank you so much for your time.Please see screenshot attached :

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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
Received an early morning email that an account was opened without my knowledge or consent. Called Chime and was able to close the account, but the entire process felt like a scam to get my full SSN. Was originally told this was required to close the account, when I pushed back they " settled '' for last four digits. Had already enabled a full credit freeze and fraud alert on all XXXX credit bureaus, so provided that to get them to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a Citi Business Checking Account in branch in XXXX XXXX, CA. I was enrolled in a promotion that required I make a deposit with 30 days, then hold the funds for an additional 60 days to receive a {$750.00} bonus. On XX/XX/XXXX, within 30 days from opening the account, my account balance reached {$20000.00}. I maintained that balance through beyond the following 60 days, per the terms. The terms stipulated that the bonus would be paid within one month, following the end of the month in which I met the terms, which was XXXX. Per the terms, the bonus should have been paid at the end of XX/XX/XXXX. As of XX/XX/XXXX, over a month since the payment deadline, the bonus has not been paid. I have called the bank regarding the bonus and the representatives have let me know that I have met the terms but tell me to wait. I would appreciate the bonus being paid now as I have met the terms.

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 2024-02-02 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 sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.

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 2024-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
My servicer Mohela created duplicate erroneous loans in my name. I had a loan consolation that was successful on XX/XX/XXXX with a total of about $ XXXX in a sub and unsub loans ( XXXX and XXXX ). Then, around XX/XX/XXXX, I found out about the duplicate loans created at XXXX by Mohela ( loans XXXX, XXXX and XXXX ). I filed a complaint on XX/XX/XXXX with XXXX Ombudsman and contacted both XXXX and Mohela notifying them of the issue. Since then the duplicate loans were transferred back from XXXX to Mohela, but they haven't resolved the duplication that they created and keep trying to consolidate the erroneous duplicates instead of cancelling them out. Further- the complaint I filed with Ombudsman was closed without contact or resolution. This has been going on for months and has erroneously added approximately $ XXXX + interest to my apparent overall debt load. It is astonishing to me how poor the internal controls are that no one at XXXX, XXXX, nor Mohela have caugbt these egregious errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have written the CFPB due to inaccuracies on my credit report and not only was it not helpful the creditors illegally updated each and every account with new delinquency dates, another 7 years were added on and now I'm being harassed constantly through text messages and emails from these creditors.

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 2024-02-02 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX {$500.00} transfers from my bank to chime. deposits still pending and no one can give me a reason why?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: DISCOVER BANK
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Late Payments Reporting by Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: MI

Complaint narrative:
On XX/XX/XXXX, two unknown charges appeared on my account, totaling {$52.00}. I disputed these charges, and my dispute was approved/refunded on XX/XX/XXXX. 
On XX/XX/XXXX, I disputed a transaction of {$830.00} that occurred on XX/XX/XXXX. My dispute was denied on XX/XX/XXXX. 
On XX/XX/XXXX, Chime took the {$52.00} back with no explanation. Those funds were then adjusted back into my account on that same day. However, on XX/XX/XXXX, they adjusted {$42.00} of it back out of my account again. 
I have requested reason for denials, information about the investigations, and appeal forms several times over the next few weeks. I have never received any of this information. 
This has caused undue stress and financial hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
I previously reported inconsistencies with the CFPB and in turn I have been harrassed by each creditor through text and email. All accounts where falsely updated with new delinquency dates which resulted in all of the accounts resetting to a new 7-year term on my credit report. THIS IS ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Five days ago, I received a call from my TD Bank branch manager, asking about the nature of my business, after approximately XXXX  years of doing business with TD Bank, I explained that I am the XXXX XXXX XXXX XXXX services and I have this account with TD as an expense account and it clearly state expenses on the account name and this account is being used to pay bills and vendors/companies that I do business with and maybe a few ATM withdrawals every month and I operate out of a home office because I dont need a business location or facility to conduct business and its a legal businesses registered with the federal government that pays federal income tax, so yesterday I received a letter from the branch manager, saying that they are shutting down my account on XXXX of XXXX because its a home-based business and thats not allowed with their banking rules and regulations and I think thats not fair for small businesses the struggle with banks to obtain a legal business in the United States

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
i had a amex gift card for XXXX XXXX i got it down to XXXX XXXX and went to XXXX to use it/ ihad 3 other amex cards with XXXX XXXX XXXX XXXXXXXX on them i ran those thru with no problem then treid to finish paying the balance of my purchase with my XXXX XXXX  card and it was rejected/ i tried it at afew other places and it was rejected/i called amex and they said card was active and had a XXXX XXXX XXXX and said taht fraud protection was stopping the use of it and there was nothing they could do/ they said wait a week and try using it i did that and card was still being rejected/ i then reportef it lost feeling that was my only recourse/ so they put a hold on card and gave me email to contact and send my lisense and photo of reciept for card which i did on XX/XX/2024 that said it would take 30 days to give me a new card its now XX/XX/XXXX and have not heard anytrhing case XXXX XXXX email XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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 earnestly request that you take this off my credit report since it doesn't belong to me and is completely false.

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 2024-02-02 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: TX

Complaint narrative:
I earnestly request that you take this off my credit report since it doesn't belong to me and is completely false.

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 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery has reported a debt owed of {$3200.00}. I do not owe this company this amount and they fail to provide proof that I owe this amount to them. This was reported on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation