vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2023 my chime account was hacked my email and phone number was changed on my account my savings was emptied my money was transferred to my checking and sent to XXXX different cash app accounts by the name of XXXX and XXXX XXXX in the amount of XXXX I have filed two disputes with chime both of which has been denied I have sent a police report along with screen shots of email and phone number that was used that did not belong to me I have been calling chime non stop trying to get my money back I filed to have the dispute reopened for the third time no one is helping me get my money back I went as far as filing a XXXX  complaint and also reaching out to a lawyer today I just want my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am disputing a fraudulent inquiry on my credit file from comenitycb/ulta mc. Inquiry date was XX/XX/2023 this was not made by me this inquiry is fraudulent and I would like it removed from my credit report. I already filed a dispute with XXXX as well as contacted ulta and requested it to be removed and any cards canceled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the fair credit reporting acct, XXXX XXXX acct # XXXX violated my rights.

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

15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting acct, XXXX XXXX acct # XXXX violated my rights.

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

15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On or about XX/XX/XXXX, we were notified by a potential landlord, from whom we were hoping to rent a home, that there was an eviction on my record. The eviction belonged to another person, not me. The landlord uses TransUnion and was doing a background check/credit history on me and questioned us as to this eviction. TransUnion reported this stranger 's name and apartment number at XXXX  XXXX XXXX XXXX XXXX XXXX ) and referenced a court judgement/eviction on MY RECORD, which caused the landlord, rightly so, to question us as to our honesty about never having been evicted. TransUnion refused to accept responsibility and stood by their data even though the name belonged to someone else who had the same first name and middle initial as mine, and the wrong apartment number. I have never been evicted. They also had another apartment complex on my record, which I never lived in, and an incorrect phone number. I spent days trying to contact and get records to prove them wrong. Finally I was able, after 3 days, to get the necessary information sent to me from the apartment complex who did evict this other person, so that I could forward the correct information to our potential landlord. We could have lost this house because of TransUnion 's error. Also, the person 's court/judgement information who was actually evicted was shared with the landlord, violating his privacy. I was able to get TransUnion to correct my credit report but it was very difficult to do so, and put us in a position to potentially lose this home rental. TransUnion made me jump through hoops to prove that they were wrong even though they referenced an incorrect sur name and an incorrect apartment number. They spoke legalese as to why they were standing by their WRONG data. We had to provide a copy of my security deposit being returned to me as proof that I was not evicted and an email from that complex that I was never evicted. I had to provide paperwork proving when I lived there as well as some other documents. This was truly a nightmare to deal with and TransUnion needs to fix their algorithms so that this never happens to anyone 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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have tried several times to work with XXXX ( along with XXXXEquifax ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I recieve a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. 

Even so, I have sent these letters myself now on 4 occasions ( XXXX XXXX XXXX XXXX ) .. the companies are ruining people 's lives and are not being held accountable. 

Thank you in advance for looking into these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was contacted by an individual by the name of XXXX XXXX, who represented a funding company by the name of XXXX XXXX XXXX XXXX He informed me that the company specializes in funding small business start ups. He went over the details of the company 's lending procedures and then had a {$30000.00} check mailed to my home address. I took the check to my financial institution ( NAVY FEDERAL CREDIT UNION ) in order to have it deposited and a few days later received a letter from my bank informing me that the check was no good, that it was a fraud. I called the bank 's ( NAVY FEDERAL CREDIT UNION XXXX security & fraud lines numerous times in order to see what I needed to do to get assistance with this matter & I was informed that there was nothing I could do and they had no one to assist me. I attempted to reach out to the individual who I had been in contact with throughout the funding process and was not able to contact him or find any information online. As a result my financial institution ( NAVY FEDERAL CREDIT UNION ) blocked/froze my all my accounts. I tried to make a cash deposit and the teller was not allowed to take my cash. I submitted a fraud claim to the Federal Trade Commission. I gathered what information I could & submitted it to my bank in order to appeal the blocking of my accounts and it was denied. I tried to go to another financial institution ( XXXX XXXX ) and open an account only to be denied because of the block/freeze from NAVY FEDERAL CREDIT UNION XXXX As a result of some fraud/scam I am suffering & being punished for the greed of others without direction as to how to hold the perpetrator accountable and resolve this horrible situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: TX

Complaint narrative:
Per promotional flyer from US Bank, I opened a new business checking account with {$3000.00} with the promise of receiving a {$500.00} bonus for maintaining a balance of the {$3000.00} for 60 days. I have done so and not withdrawn any funds since opening this account on XX/XX/2023. However, US Bank charged me a fee of {$6.00} for mailing me a bank statement on XX/XX/2023 which took my balance below {$3000.00}. I was told when opening this account there were no fees of any kind and I have never been charged a fee for a bank statement from any bank my entire life. I received a refund for the 2 months they charged me for. I can only assume this is how US Bank feels they are not obligated to pay the bonus. In addition I was not allowed to make any additional deposits to this account, hence US Bank plays the gotcha game.

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 2023-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I have a personal loan in the amount that has a balance of {$10000.00} I called in to pay off the loan and was given a payoff of {$12000.00}. I am being punished for paying it off early and that is in my opinion usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
No I'm gon na need all of the non beneficial and negative Mark 's on my credit report to be taken down immediately because because they are violating my right under USC 15 1681 B. I have a right to privacy and I didn't consent to these nor did I say it was okay to put out my inquiries they also need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
The problem is that this NATIONAL CREDIT SYSTEM company is duplicating the accounts I have a collection, they do not want to withdraw the accounts, they have duplicates and they just call me, threatening to take money from my account and proceed legally, these accounts were opened fraudulently by a credit company departments that obtained my information and illegally rented to other people in my name, I contacted the departments and they only told me that I had to pay or I would be taken to court, I specified that I had never lived there and that they did not even have my income as to prove income, everything was done under my social security and not verified, in general they took my social and rented to personals illegallyXXXXXXXX XXXX XXXX was the place they used

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc.
State: GA

Complaint narrative:
My mortgage was transfered from XXXX to Valon Mortgage in XX/XX/2023, I have been making Doulble house payments for last 24 months. Previous mortgager always applied anything over the normal payment to Principal. Valon from the very first payment each month has misdispositioned my funds to Escrow or appling payment to future payment interest and escrow instead of appling it to directly to that months principal. I have to watch the paperwork and have had to call everymonth to redisposition the fund to principal. I dont believe i should have to. As a matter of fact I wonder how many other people they are doing this same thing to. Please contact me back with any information you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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:
I have a XXXX XXXX charge card on my TransUnion credit report it was it was opened XX/XX/2023 and it last reported on my file on XX/XX/2023 this card is not mine and is a fraudulent transaction I have already filed a dispute with TransUnion that is pending and I spoke with XXXX XXXX which they said they couldnt do nothing. I have also frozen my credit report for now I would like this card to be removed and canceled from my credit file

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclays Bank reports to credit bureau that I have a delinquent account. When disputed and provided documentation for ID theft, they say they will report as disputed but will not remove. When I dispute with the credit bureaus they respond with verified debt. Barclays Bank, and XXXX are ignoring consumer protection laws, police affidavits, and their own policies for accurate reporting.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have tried several times to work with XXXX ( along with Transunion/XXXX  ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I receive a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. 

Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. Even so, I have sent these letters myself now on 4 occasions.. the companies are ruining people 's lives and are not being held accountable. Thank you in advance for looking into these issues.

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 2023-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a Public Service Loan Forgiveness ( PSLF ) application ( Exhibit A ) to be considered for loan forgiveness under the Limited PSLF Waiver Program. 

On XX/XX/XXXX, MOHELA sent me a letter ( Exhibit C ) via mail stating that my PSLF application was missing information including 1 ) missing physical signature on the PSLF application, which is inaccurate as I physically signed all required forms, and 2 ) employer certified dates in Section 3 were wrong because the employment end date is before the employment begin date which is also inaccurate since I am a current employee at XXXX XXXX XXXX. Please see the original application I submitted for the required correct information. The employer form is accurate and was filled out correctly by XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I sent a letter to MOHELA via certified mail asking for the status of my student loan forgiveness. MOHELA did not respond to my request. I believe I have met all eligibility requirements for student loan forgiveness under the Limited Public Service Loan Forgiveness Waiver Program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Account is not mine

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