vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NJ

Complaint narrative:
I am in the process of loan forgiveness and they keep adding interest to my loan amount witch is effecting my dti

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: NJ

Complaint narrative:
I am in the process of loan forgiveness and they keep adding interest to my loan amount witch is effecting my dti

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NJ

Complaint narrative:
I am in the process of loan forgiveness and they keep adding interest to my loan amount witch is effecting my dti

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I go through Chime mobile banking and requested a dispute for XXXX  about a company that was misleading in terms of the product they released on XX/XX/XXXX for the total amount of {$770.00}, so far only {$100.00} has been returned to me even though I sent documentation that XXXX had refunded the card that was no longer active for the total amount of {$770.00} on XX/XX/XXXX. I have filed 3 disputes and all 3 have been denied despite me sending documentation that XXXX had refunded the total amount to the card that was used. XXXX approved the refund, but my bank is refusing to allocate the funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I experienced Identity theft at BMO, Bank of Montreal US branch ( BMO N.A. ).

A checking account was opened under my social number at BMO. 

I received an email that my account application was pending on XX/XX/2024 and XX/XX/2024 ( Reference code XXXX ). I received an email that the checking account was opened on XX/XX/2024. 

I made an initial phone call to BMO customer service on XX/XX/2024 at XXXX pm to report the case. The XXXX  gave me the wrong information saying there's no account under my social number. However, when I checked using my email and social number on their website it was registered as a user already. They also informed me the wrong website address ( i.e., identitytheft.com ) to report my case instead of ( identitytheft.gov ) The case was reported to the local police on XX/XX/2024 ( Ref # XXXX ; XXXX XXXX XXXX # XXXX ) and IdentityTheft.gov ( Ref # XXXX ). 

In the second phone call to BMO on XX/XX/2024, they acknowledged the fraud activity and informed me that the report was made and it is under control without providing further information including a reference number. 
I experience great difficulty getting proper actions from the BMO. 

I emailed them to send me a written confirmation with all the details and closure of the account. I have not received their response yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  - credit report ===== XXXX XXXX, I would like to remove obsolete information off from my Equifax report credit file. There are two accounts which have closed and, paid whose dates of last activity are over 10 years. These people at Equifax are impossible to deal with and in the past they have been unresponsive. 

Could you help me to contact and resolve these issues with this bank/ Equifax The creditors name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the other is the XXXX XXXX XXXX. 

thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX a payment to Covington Credit was drafted from my checking account. I noticed the following day, that it appeared to have been returned so I called Covington Credit and asked if they received my payment or was it returned. The man I spoke with stated that it has cleared. Today a girl called and stated that it had been returned. Everytime I tried to talk, she interrupted and talked over me and literally would not stop talking. Finally she finished saying whatever it was and I asked her if she could hear me and she said yes, but I needed to listen to her and I started explaining what has happened the few days before, and she interrupted again and talked over me again. She finally just hung up on me. I have tried to call back but I am put in hold and she never returns to the phone. I suspect this has all been done to extort past due fees and more money that I do not have out of me. I am a XXXX  and my health is suffering and I can't deal with this type of stress. Life is already stressful enough. I can not correct anything about this situation if the people refuse my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: PA

Complaint narrative:
By XX/XX/XXXX, I submitted an identity fraud report, which has been presented in several disputes with Equifax and they have ignored it. I wrote a letter to the account that is reflected in my credit report on XX/XX/XXXX to send me his contract because they report this incorrect account on my credit and it has been more than 30 days of this and they have not sent me anything. I have also made three previous disputes with Equifax requesting the information or research they use to report this account and they have not sent me anything. Attached I have the letters sent and the certified acknowledgments of receipt as evidence that Equifax is committing several violations and they have not removed information from my credit that they can not verify. They also do not comply with updating the information or sending me their independent investigation, complaint number XXXX. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: CA

Complaint narrative:
under Section XXXX XXXX, of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send consumers a written validation notice [ w ] ithin XXXX days after the initial communication with a consumer in connection with the collection of any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
under Section XXXXUSC XXXXg, of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send consumers a written validation notice [ XXXX ] XXXX five  days after the initial communication with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AK

Complaint narrative:
The servicer has 90-minute hold times. Unfortunately, I have to work for a living and can not spend 90 minutes on hold during the servicer 's business hours. Nor can I recieve a call back as the area of the building I work in does not have cell phone service. Nor can I stand by my employer 's phone/landline for 90 minutes when I am supposed to be working. 

This servicer can not provide timely customer service. I am getting XXXX from all the attempts I've made to contact them. 

I am going to have to take time off of work to spend that long on hold. I feel I am entitled some reimbursement/compensation for all the failed attempts to contact them, as well as having to use PTO to make contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I dont know when this happened but I think sometime during Covid my Credit card with 5/3 they gave me a credit card limit increase. That I didnt request. And the next thing I know. When im paying on credit card they is these enormous interest payments. I called them and said WHAT IN THE XXXX IS GOING ON WITH THESE ENORMOUS INTEREST AMOUNTS??? They said I had a credit card balance transfer. I repeatedly told them. IVE NEVER DONE A CREDI CARD BALANCE TRANSFER??? But not thing gets changed. XXXX. Is going on I pay. XXXX a month on my credit card. Only. XXXX. Goes towards balance. And i never use the credit card??? Ive paided about XXXX. On card. And XXXX has gone towards my balance. And they out these foreign talking people on the phone ever time. That pretend they dont know what us going on .. thus is some XXXX XXXX  .. please get this bank to put the money Ive oaided onto my credit card. With penalties and interest charges in my favir.. This is ridiculous and how many times have they done this to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: OH

Complaint narrative:
There is a fraudulent collection account on my Experion credit report in the amount of {$420.00}. This has dropped me score by XXXX points. I tried to file a dispute, but Experian would not give me an option to do so unless I first purchase an ID protection service. I do not wish to purchase the service they offered. Addionally, I could not freeze my credit unless I subcribe to their service. I believe I should be able file a dispute without having to pay for it, By the way, I filed a dispute on this fraudulent collection with XXXX for free.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vanguard Financial Services, Inc.
State: KY

Complaint narrative:
I received multiple phone calls and one voicemail message at the end of XX/XX/XXXX from a " company '' called Vanguard Financial Services saying that I had an unpaid medical balance from a doctor 's appointment in XXXX of XXXX at the XXXX XXXX XXXX XXXX XXXX office in XXXX, West Virginia. When Vanguard Financial Services is searched on XXXX it says they are based out of XXXX, West Virginia ( with a phone number of XXXX ). 

I did go to see a primary care physician at XXXX XXXX XXXX XXXX XXXX in XXXX so I thought the phone call was legitimate but felt uneasy about giving Vanguard Financial Services my debit card information. After giving Vanguard Financial Services my debit card information I contacted the XXXX XXXX XXXX XXXX XXXX billing department via telephone. They confirmed that I did not owe them any money from my doctor 's appointments. Thankfully, I also contacted my bank, XXXXXXXX XXXX, and told them the situation, and they deactivated my debit card before Vanguard Financial Services could charge my card the amount they said was needed to clear the fake balance. This was a fraud attempt by Vanguard Financial Services and it resulted in me having to get a new debit card issued from XXXXXXXX XXXX

Company response to consumer: Closed with explanation