vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My husband and I have banked with Citizens for 6 years. XXXX Title loans for {$990.00} were deposited into our account and then withdrawn, which were not requested by us and had my name spelled wrong. At the same time XXXX XXXX XXXX transactions were fraudulently applied to our account, XXXX for {$5.00} and XXXX for approx. {$1400.00}. We do not use XXXX XXXX and never have. There is no history of XXXX XXXX in our whole time with Citizens. I can not give the exact dollar amount because we have been locked out of our online banking so we can not even see our own claim. In addition, we filed a claim against a fraudulent {$970.00} XXXX purchase, even though the most we spend at XXXX is a few XXXX at the holidays. Our account is now - {$3200.00}. All within days of each other, yet Citizens keeps refusing our claim. They have also closed down our other accounts and absorbed that money into the account that was supposed to be investigated without our knowledge before telling us their decision. Now they are threatening us with collections. In addition, they consistently reordered the dates of events/purchases throughout this whole process which hindered us from being able to respond to the crisis in a faster manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX FIN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX, Fl ) regarding a problem I was having. They sent a gentleman by the name of XXXX XXXX who showed up with his cousin XXXX XXXX. After they left, i realized that the problem was never resolved and in addition I received XXXX separate bills one from XXXX XXXX in the amount of {$570.00} ( for changing thermostat and running fluid through the AC ) and the other from a company called XXXX XXXX XXXX XXXX in the amount of {$2900.00} for charges to my credit card : I contacted Macy's/America Express about stopping charges which his boss, XXXX who came to my house from XXXX XXXX  to evaluate XXXXXXXX XXXX work and told me I was ripped off by XXXX and that it had nothing to do with his company I did not hire XXXX from XXXX  XXXX, I hired XXXX XXXX and will not be responsible for a secondary company coming to my residence when I did not hired him in the first place.. HIs boss XXXX whom I contacted from XXXX XXXX  told me that XXXX was just fired and that he did not perform any of the work listed on his bill. Subsequently I had to hire XXXX XXXX XXXX to do the work that XXXX, from XXXX XXXX never did. which cost me over {$7.00}, XXXX  for that to be redon. Between XXXX XXXX XXXX I contacted my credit card company : Macy's/American Express to refute the charges for {$2900.00}. They told me they would put a freeze on the charge while they investigate. Approximately 3 months later sometime in XXXX, I received a letter from the credit card company stating a credit to my account in the above amount. About one month after, I received another letter from the credit card company stating the following : " Based on the results of our investigation we determined that you are responsible for the disputed charge. '' I am disputing this charge with the credit card company since I did not hire XXXX XXXX  XXXX. In essence, XXXX XXXX, was the respondant superior that is responsisble for me being ripped off from the secondary company XXXX XXXX, that I did not hire.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX concerning their failure to report my loan payment history as per their policy. My name is XXXX XXXX, and I am a customer of Credit Strong. My account number with XXXX XXXX is XXXX. 

According to the terms and conditions agreed upon at the initiation of my loan with XXXX XXXX, the company is obligated to report my loan status and payment history to the credit bureaus temporarily. However, despite adhering to the payment schedule and meeting all requirements, my loan history has not been updated or reported by XXXX XXXX. 

This lack of reporting is adversely affecting my credit profile, as my payment history is a crucial component of my creditworthiness. I have made numerous attempts to contact XXXX XXXX to resolve this issue, but there has been no satisfactory resolution. 

I kindly request the Consumer Financial Protection Bureau to intervene and assist in ensuring that XXXX XXXX fulfills its contractual obligation to report my loan payment history accurately and promptly. 

Thank you for your assistance in this matter. I look forward to your prompt response and resolution of this issue. 

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 explanation
Consumer complaint received 2024-05-14 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: PA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX concerning their failure to report my loan payment history as per their policy. My name is XXXX XXXX, and I am a customer of Credit Strong. My account number with XXXX XXXX is XXXX. 

According to the terms and conditions agreed upon at the initiation of my loan with XXXX XXXX, the company is obligated to report my loan status and payment history to the credit bureaus temporarily. However, despite adhering to the payment schedule and meeting all requirements, my loan history has not been updated or reported by XXXX XXXX. 

This lack of reporting is adversely affecting my credit profile, as my payment history is a crucial component of my creditworthiness. I have made numerous attempts to contact XXXX XXXX to resolve this issue, but there has been no satisfactory resolution. 

I kindly request the Consumer Financial Protection Bureau to intervene and assist in ensuring that XXXX XXXX fulfills its contractual obligation to report my loan payment history accurately and promptly. 

Thank you for your assistance in this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX concerning their failure to report my loan payment history as per their policy. My name is XXXX XXXX, and I am a customer of XXXX XXXX. My account number with XXXX XXXX is XXXX. 

According to the terms and conditions agreed upon at the initiation of my loan with XXXX XXXX, the company is obligated to report my loan status and payment history to the credit bureaus temporarily. However, despite adhering to the payment schedule and meeting all requirements, my loan history has not been updated or reported by XXXX XXXX. 

This lack of reporting is adversely affecting my credit profile, as my payment history is a crucial component of my creditworthiness. I have made numerous attempts to contact XXXX XXXX to resolve this issue, but there has been no satisfactory resolution. 

I kindly request the Consumer Financial Protection Bureau to intervene and assist in ensuring that XXXX XXXX fulfills its contractual obligation to report my loan payment history accurately and promptly. 

Thank you for your assistance in this matter. I look forward to your prompt response and resolution of this issue. 

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 explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
Purchased the card in XXXX, gut the card would now work at several retailers due to changes in the cads terms of service which were not made clear at time of purchase. I requested a refund from Visa Vanilla which they deemed appropriate. They required several copies of documents to complete the refund on XX/XX/year>. On that day i sent all of the documents requested and received a confirmation email the same day. A month later they sent an email stating that they did not receive a copy of the store receipt, which was impossible because it was attached with the rest of the documents. However, on XX/XX/year> I sent XXXX more emails, with XXXX copies ( Jpeg, and Zip ) and got XXXX conformation reply emails. I waited another week and called customer service, got escalated to a supervisor and he confirmed that the document was received and that the refund would be issued withing 48 hours. I waited 3 days and did not get any contact so I called again. This time a customer agent tried to get me to send ALL of the docs again. When I told her I was going to contact the CFPB she then changed her story and said that they had received the proper documents and that I would have to wait 10 more business days. The fact that they have been lying over and over and not refunding my money is more than enough reason to believe that criminal fraud is being attempted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: PA

Complaint narrative:
FCRA 605B, I think, requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was just able to take a look at my credit report, and am stunned. I am trying to start a business, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. Please investigate and take a look at these accounts : 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 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have asked the companies to remove inquiries off my report as I am unfamilliar with them. Im being solicited for promotion because of these inquiries and i have requested they be removed from each company. These companies are now invading my privacy per the Privacy act of 1974, FCRA, and 15 USC 1681b : Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've consistently made timely payments on this account, ensuring they're never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
I requested accurate information about required monthly payment, but they keep withdrawing ( {$1200.00} ) more money than what I am required to pay ( {$880.00} ) through the SAVE Plan. I have requested the issue to be fixed but the issue persist. I called XXXX, XXXX, & XX/XX/XXXX. I tried two more times this year but was provided wrong/ conflicting information about my monthly payments. I was also placed on administrative forbearance without notice until half way through the forbearance period. The website also showed that my next payment was supposed to be {$130.00} on XX/XX/XXXX. MOHELA has failed to explain why the website said this and why I am paying {$1200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
XXXX XXXX XXXX The Account opened XX/XX/XXXX Original debt XXXX XXXX- charged off debt Product was deemed a total loss XXXX  insurance coverage paid XXXX  XXXX value of car XXXX  XXXX worked closely with the payer insurance company and reported negative on my account to credit After XXXX  XXXX accepted the total -loss insurance payment and they never reported amount to all XXXX credit agency I filed a disputed XX/XX/XXXX because XXXX  XXXX wasn't reporting inaccurately and improperly handling my account information The only resolution was to remove however, company chose to update debt from {$35000.00} to {$3800.00} I recontacted XXXX  XXXX to reach a settlement because paying vehical early made me not subject to interest rates which would've occured throughout 5 year term We agreed on a XXXX $ payment arrangement until gap insurance check was received. 
XXXX  XXXX was offerering settlement of XXXX dollars I negotiated XXXX $ would settle debt. 
Gap insurance set XXXX $ Instead of removing negative inquries and reporting payments XXXX XXXX charged off account. This should read paid.This account was mishandled I want this account removed not updated. 
This is in violation of accordance 15 us code and 1681s2. All information reported has not been correct.Information being reported to credit agency aren't reporting same information to XXXX, XXXX, and XXXX XXXX credit agencies. 

Navy Federal Credit Union Secured credit card XXXX Card maxes out at XXXX Reports highest limit as XXXX Account was as opened in XXXX Account suffered fruad/ theft activity and underwent investigation They shared my information with XXXX XXXX that the account was potientally negative I contacted Navy Federal because payment should've been received by institution.They notated my account and updated inaccurate information report to credit institution. I want the account removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: PA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I re-read the letter created on XX/XX/year> by your company customer service department XXXX Before that, I have checked whether I can open the XXXX XXXX  account of mine offered by your company ; however, it was disappeared. The first page stated your company had created a new replacement card ending XXXX without asking permission of mine. Your company suddenly closed my card ending in XXXX. As I have expressed the strong wish to close the credit card offered by your company due to the issues over the reward certificates, I simply do not want any card from your company, since I can not believe the treatment of your company. Even I told the truth and explained the situation, your company representative treated me as if I did something wrong. Therefore, I do not want to have any relationship with your company. So, it is fine the second page of the website account has been unusable and gone. The previous letter says the reason Rewards have been removed and not applied to your account is due to the account closed. Since I complained I could not use my rewards certificate before the closing of my card, I do not believe your reason of inability of usage of reward certificate account closed is right. I insist that I could not use before the closure of my account. Therefore, I refuse to reopen your company credit card due to the act of infamy to your company which should offer reliable credit card. 
Since I could not open the XXXX  account of your company, I expect you will send me the paper bill to pay the amount of about {$400.00}, which you stated before. 
Sincerely,

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