vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Improper use of my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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:
Improper use of 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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Went on XXXX XXXX on XX/XX/XXXX had a XXXX XXXX. 
XXXX balance had a XXXX XXXX. 
XX/XX/XXXX had a balance of {$350.00}. 
XX/XX/XXXX balance of {$11.00}. 
XX/XX/XXXX balance of {$11.00}. 
XX/XX/XXXX balance of {$40.00} ( {$11.00} plus {$29.00} late fee ). 

XXXX XXXX contacted me on XX/XX/XXXX regarding a pass due report on their report Contacted Citi Bank and they stated the balance is {$140.00}. ( {$11.00}, plus 2 late fees of {$29.00} each, and a S/O charge fee of {$80.00} ). Request on why they did not contact me by phone or email due to me being XXXX? stated they sent mail and that the XXXX fee is a payroll deduction fee insert after 90 days. Stated they would remove one late fee of {$29.00} if i paid off balance. I paid {$120.00} on XX/XX/XXXX, CITI bank credited my account of {$29.00} to now have a XXXX balance.

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 2024-01-31 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: NM

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NM

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 explanation
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching the proof that Equifax has admitted that I was in fact victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 2024-01-31 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and I've been receiving letters stating I'm using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
https : //www.bankofamerica.comXXXX 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 

If you look at these instructions 1.login choose bill pay - you can not choose Bill Pay as such you have to choose one of the sub headings so the first instruction itself is wrong. 
2.i think they are doing this to purposely charge interest and the fees.

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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: MI

Complaint narrative:
I was in XXXX  and my chime checking account became negative I assume due to fraudulent activity they never told me where or how the card was used. But at the time I didnt have the card because I had been in custody with the department of correction for 7 months. It took me XXXX e-mail and many calls just to find out when the account was closed and the amount. It was XXXX that closed my account. I offered to pay it immediately and they basically ignored the offer and stated I couldnt have another account because of the negative balance. I told them I was in XXXX  and the charge was most likely fraudulent they still have not responded. I honestly dont have time to deal with this given its taken months just to figure out the balance and time it went delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach XXXX via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my XXXX  report but they were not authorized by me and are a result of the identity theft I am suffering. Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, a charge, ( {$27.00} ), was posted on my XXXX credit card statement, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), that the merchant, ( Experian* XXXX XXXX XXXX CA ), charged, without informing me, that there would a fee for obtaining an on-line credit report. ( Had the merchant informed me that a charge would apply, I would have declined the Report. ) Instead, Experian randomly picked one of my credit cards, ( noted above ), and posted this unauthorized charge to my card acct. I was totally surprised to find this charge on my monthly bill. Merchant, 'Experian ', failed to disclose that a charge would apply upon their showing the on-line Report to me. ( And, in addition, it was my understanding that one can receive one free credit report per year from any one of the three credit agencies. I have never requested a Report in the past. ) So, I was totally dumbfounded upon finding this charge on my Statement. 

I disputed the charge with the merchant. Experian said the charge was proper. 

So, I proceeded to file a dispute with the above mentioned credit card company and, as a result, they closed the XXXX XXXX XXXXXXXX and reversed the charge in early XXXX. The card company then issued a new ( replacement ) Card acct XXXX showing the reversal. Afterwards, on XXXX, the on-line new credit card acct showed that the charge had been RE-POSTED! So the {$27.00} is now back on my charge acct. ( Experian said that if I had a problem with their decision to contact 'consumerfinance.gov ' to continue the dispute, which is exactly what I am doing here. ) This merchant seems to think that they can get away with their deceptive business practices by not disclosing to the consumer any up-front charges would apply for providing an on-line Report. Nothing, whatsoever, was disclosed regarding any charges. I consider this credit agency a scam operation and, of all things, a CREDIT REPORTING AGENCY conducting schemes such as this. Seems to be The American Way these days. 

What can 'consumer finance.gov ' do to reverse this inappropriate unauthorized charge? Else, give me advice on how to proceed from here. Seems I'm, otherwise, all out of options. 

respond to : 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 explanation
Consumer complaint received 2024-01-31 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: NJ

Complaint narrative:
Sharing my private personal information It's a PRIVACY ISSUE that's a GRAMM LEECH BILLEY ACT violation failing to provide me with a clear initial privacy notice by mail I never opt in to receive notices by email I request the original written notice proof of I received a initial notice and annual notice that I signed that I opt in giving you the right to share my NON-PUBLIC INFORMATION, I have the right to privacy it's a PRIVACY ISSUE I never received any of the documents I requested in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and I've been receiving letters stating I'm using a 3rd party. I have attached my ID and letters to this complaint 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 explanation
Consumer complaint received 2024-01-31 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:
I did not apply for this account and have never been asked to be authorized on this account. I've asked credit agencies to provide documents proving so, and nothing has been determined. 
I demand for these accounts to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
I did not apply for this account and have never been asked to be authorized on this account. I've asked credit agencies to provide documents proving so, and nothing has been determined. 
I demand for these accounts to be deleted 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 explanation
Consumer complaint received 2024-01-31 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: MOHELA
State: GA

Complaint narrative:
My loans were previously with XXXX and were transferred to Mohela when XXXX stopped servicing student loan accounts. Everything was ok until I recently incurred about missing pay statements for XX/XX/XXXX ( XX/XX/XXXX is also missing ). I was emailed  that those payments had not be loaded but I would not receive credit toward PSLF because I was in XXXX  XXXX bankruptcy. I inquired about this in XXXX by filing a complaint through this platform and was advised certain language had to be included. My attorney then filed a motion to add that language to the bankruptcy. I was allowed to participate In PSLF after paying almost {$700.00} to add that language. Now Mohela is saying I can not participate in the PSLF program because I'm in bankruptcy. I am only 4 payments away from forgiveness. This is not ethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: DISCOVER BANK
State: CA

Complaint narrative:
Several fraudulent charges were made onto my Discover credit card, I filed a case with Discover and they originally refunded me for all the charges ; but for whatever reason they charged me again for half of the fraudulent charges even after they reassured me that all charges would be covered. I had to escalate this to their customer fraud support team, and also had provided them with a Police report, showing the case was approved and that all charges were in fact fraudulent. I submitted this all to their fraud team and they conducted an investigation and at this point they for whatever reason denied the refund of all the fraudulent charges. Even with the police report showing the charges were fraud, and them reassuring me that all of the charges were going to be refunded, they went back on their agreement. Throughout the investigation, not once ever received any calls or emails in regards to the status and what they needed from me until I reached out to them multiple times to get updates. The last time I received our was on XX/XX/XXXX, and they stated that they had closed to case because they needed more information, and they not once contacted me in regards to this, I asked what information they needed and they said they needed information on the suspects the police department has in regards to the police report, which I can not find them a suspect that is the job of the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: MOHELA
State: IN

Complaint narrative:
I am re-paying federal student loans using the PSLF program. This program requires income recertification yearly. This recertification was put on pause during the pandemic along with the monthly payment, which had been in forbearance. Beginning XX/XX/XXXX, the payment pause ended and the stipulation that income recertification would restart XX/XX/XXXX unless your assigned recertification date fell prior to XX/XX/XXXX. People with recertification dates prior to XX/XX/XXXX would have their date extended by 1 year. 

For example, my recertification date was XX/XX/XXXX. This date is prior to XX/XX/XXXX and therefore per the FSA website the date should be extended to XX/XX/XXXX. 

The loan company MOHELA was contacted on XX/XX/XXXX and agreed the date should be extended to XXXX. The MOHELA representative stated this would be corrected in 2-3 days. It was not. MOHELA was recontacted on XX/XX/XXXX, they again agreed the date should be extended to XXXX but reported this takes XXXX business days. The date was not changed. MOHELA was again contacted on XX/XX/XXXX at which time the MOHELA representative reported MOHELA was unable to change dates and reported the Federal Student Aid office would have to change the date. All phone numbers provided to this office reach an automated message that disconnects at the end of the message. Live chatting was attempted with a representative from this office ( Federal Student Aid office ) on XX/XX/XXXX however they reported I should contact MOHELA and provided no further assistance. 

To this point it seems the program is violating its own terms with no accountable party. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contact Information FTC Report XXXX : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
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 Personal Statement Numerous unauthorized inquiries and alot attempts to aplly for various services inder my name. I observed a significant increase in suspicious activities associated with my personal information including financial products Additional my Old XXXX  XXXXXXXX XXXX i cant even get back in. had been compromised and I currently locked out before thta XXXX XXXX said i had filed i told them no thats not me. Unable to crucial information. im take. taken necessary authorities amd implement security measures. Effect data breach. And so many more others.. appropriate actions to mitigate future damage Tax Fraud Date that I discovered it XX/XX/XXXX Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report 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 https : //www.identitytheft.gov Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your https : //www.identitytheft.gov/ #/

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 2024-01-31 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: IL

Complaint narrative:
I have no acknowledgement of these hard inquiries and the hard inquiries are a result in identity theft and they must be removed no later than four business days as per 15 U.S Code 1681c-2.

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 2024-01-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit report has a lot of identity theft information and someone has been using my social for cards and credit I really want JUSTICE TO MY LIFE

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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
in XXXX  i made fraud claims and none of them were taken care of i made one for {$500.00} and another one for XXXX that was made with my account i never received my money back i was also told that i would get the extra XXXX from becoming a new customer i never recived that either

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
I contacted Experian multiple times I sent letters certified in the mail with identification these accounts that were opened were opened fraudulently due to identity theft. Most of the accounts from these companies were already removed I'm not sure why these accounts are still reporting. thank you for your help in solving this matter.

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 2024-01-31 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief