vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
XXXX bank was sold to Citizens bank and they never sent me a debit card that I could use, nor a checkbook and they disabled my online access. there is no brand within XXXX XXXX XXXX of me and every time I call they tell me they can't access me account online and that I have to go into a branch. this is not fair, they are charging me an account fee every month. I started with over XXXX dollars and not they have Brough the balance down to almost XXXX. they are stealing me money nd not giving me any option to close my account or move my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I placed an order on XXXX XXXX XXXX website, because I had a {$10.00} reward certificate to use for my birthday. I spoke with representatives on chat but they wouldn't use the reward certificate, and said it would only be credited once the order was received. I received the order and STILL can't get them to use the {$10.00} credit and apply it correctly. This is an ONGOING problem with XXXX XXXX XXXX. After learning that they wouldn't apply the {$10.00} to the order I immediately asked to cancel the order and they wouldn't do that either literally within less than XXXX minutes of placing the order. They are scamming consumers and are fraudulent. Please do something with this company or shut them DOWN!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I settled a credit card account with the Police and XXXX XXXX XXXX XXXX in XX/XX/2022. They are still reporting this debt as an active collection. I have filed numerous complaints about this through this portal and the credit bureaus are not making the appropriate changes to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/XXXX I received no benefit from this " transaction '' that shouldn't have been on my consumer report for I was never disclosed my right to opt out for anything to be reported per ( FCRA ) 15 USC 1681A ) ( D ) ( 2 ) ( Exclusions ) " " containing information solely as to transactions or experiences between the consumer and the person making the report. So, why does it reman on my consumer report Seems there is another violation to the Privacy Act of 1974 that I would in good faith notice these to be used to cause me damage and dis- ease for I thank you for your compliance with Federal Law and state all my rights reserved..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: VA

Complaint narrative:
Apparently a loan was taken out in my name using my information in XXXX. I did not sign for any loan. This needs to be taken out of collections, out of my name. I do not have a student loan for {$110000.00} that was told to me by Mohela. I do not have an outstanding loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: MI

Complaint narrative:
I submitted a complete application for mortgage assistance to Selene Finance on XX/XX/2023. Since that date, I have made numerous attempts to contact the company to inquire about the status of my application. Unfortunately, I have not received any communication from the lender, either confirming the receipt of my complete application or providing information on the processing status. 

Despite making several calls to their office and speaking with different representatives, I have not received the courtesy of a clear response. Moreover, my requests for a callback from a supervisor have been ignored. 

The lack of communication from Selene has left me in a state of uncertainty and anxiety about the status of my mortgage assistance application and the coming foreclosure. I believe that I am entitled to timely and transparent information about the processing of my request, as well as acknowledgment of the receipt of my complete application. 

I understand the importance of due process and respect the time required to review applications. However, the complete lack of communication and failure to acknowledge my repeated inquiries are causing undue stress and frustration. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Selene complies with the necessary regulations and provides timely and transparent communication to borrowers. 

Thank you for your attention to this matter, and I look forward to a prompt resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: CA

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-26 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: CA

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-26 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: MD

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to Transunion, XXXX and XXXX. 


XXXX, XXXX XXXX XXXX for 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 2023-12-26 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: MD

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, Equifax and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: MD

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, XXXX and Experian. 


XXXX, XXXX XXXX XXXX for 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 2023-12-26 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: NJ

Complaint narrative:
Recently I looked over a copy of my consumer report in which I've noticed several accounts reporting that have no knowledge of. The account and information motion listed in my dispute letter either doesn't belong to me or is inaccurate information. I asked TransUnion to investigate these accounts to insure that everything is accurate in which they aren't. The creditors listed in my dispute letter have no permission to purchase my personal information nor did they have the consent from me to report anything. I am aware that I have a right to privacy in which that right was violated. How can I owe a debt to these creditors if there is no actual agreements between us? In order for any account to be reported on my consumer report they must have my consent. I understand that it is TransUnion job to thoroughly investigate these accounts and do what's fair and equitable for me. These negative accounts are impairing my ability to obtain the essential necessities that I need for the daily living.

Violations committed by TransUnion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal 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 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I contacted Chime at the following number : XXXX to report that my Chime debit cards had been used by someone else at XXXX in Illinois and needed to get that taken care of and issue new cards. The call was dropped, and someone called me back from XXXX stating that he was a representative from Chime and that he would help me to resolve my issue and cancel my debit and checking cards, as they had both been compromised. He got me to download an app to share my screen and he took my {$2.00} without my authorization. I called him back at the number and he told me that I had been scammed and to call my bank. I need the money to be refunded as it is my rent money which is due before the XXXX of XXXX. I have uploaded the screenshots of the text they sent me and the page I was directed to give access to my screen. I have filed four disputes with Chime, called them continuously, and asked for them to refund my money since I did not authorize it, but they keep denying them and giving me the run around telling me that I have to keep submitting more documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am reporting EQUIFAX AGAIN! They have NOT corrected my credit report. I have filed MANY reports and sent proof of what the balance should be. I also spent my LAST {$25.00} on XXXX XXXX to overnight them PROOF my student loans should have a XXXX balance because they were consolidated but they REFUSED to change it. Not only that I sent a letter showing what companies had my PERMISSION to pull my credit report. I was told by a representative to call the people on my report and get a letter saying they didn't have permission to pull my report. I was informed that I could NOT get a letter because they DON'T know me. IM SICK AND TIRED OF DOING THEIR JOB. THEY ARE RUINING MY LIFE. Not only is this stressing me out I suffered a XXXX XXXX from ALL the stress they have put me under. I WANT JUSTICE!!!! 
When I contacted your company, it said the case was closed. This is what I sent to your company before. 
I applied for an auto loan through 4 banks and was told by the last bank that I had an excessive number of inquiries on my report. I look at my credit report and noticed I had 26 companies that pulled my report without my approval. I then contacted the credit bureaus and disputed them. Within 24 hours I received a message saying my disputes were resolved. There is NO way they contacted the companies and verified those accounts. I did the dispute around XXXX on XX/XX/2023 and received an email at XXXX on XX/XX/2023 saying it was resolved and that they will remain on my report for 2 years. Because I am a realtor, I understand how too many inquires can affect your credit score. I am asking that you investigate this and have all the ones I did NOT authorize removed ASAP. If you have any questions, I can be reached at XXXX or by email at XXXX if I DO NOT GET JUSTICE BY XXXX XXXX, I WILL FILE A LAWSUIT AGAINST YOUR COMPANY AS WELL AS EQUIFAX. 
I am also including XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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 am reaching out to express my ongoing concern regarding the unresolved matters pertaining to my recent fraud claim. While I acknowledge your admission of responsibility and the resolution in my favor, I must convey my serious disappointment with the insufficient response received thus far. 

Upon reviewing my credit report today, I discovered that XXXX XXXX is still listed, despite confirming the fraudulent nature of the claim on XX/XX/2023. Under legal obligations, financial institutions are mandated to promptly report instances of fraud to credit agencies. Unfortunately, I observed that XXXXXXXX XXXX failed to notify TransUnion, even after the resolution of my fraud claim in XX/XX/2023. It's important to note that this neglect is violation of the Fair Credit Reporting Act ( FCRA ), a federal law that prohibits creditors from furnishing inaccurate information to credit reporting bureaus. 

This oversight has significantly impacted my financial standing. The delayed correction of the fraudulent activity has adversely affected my credit score, prompting a three-month pause in my business activities to engage credit repair services. Consequently, my credit score, consistently in the XXXX, plummeted to XXXX due to a harsh pull initiated by XXXX XXXX. The financial losses incurred and the disruption to my business operations are substantial, considering the severity of the identity theft. 

The origin of this incident, stemming from a routine XXXX XXXX  appointment, highlights the unexpected and distressing nature of this identity theft. The gravity of the damages caused can not be overstated. 

Upon contacting TransUnion, it was confirmed that XXXXXXXX XXXX  failed to fulfill its legal obligation to report the fraud, exacerbating the adverse impact on my credit score. 

I believe in the importance of resolving this matter amicably and trust that XXXX XXXX will take swift action to rectify the credit reporting issue and provide the requested compensation. However, I must emphasize that, regrettably, I will have no option but to pursue legal action if these concerns are not adequately addressed.

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 2023-12-26 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: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-12-26 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 a victim of identity theft please remove this fraud inquiry from my credit 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