vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I AM A 100 % SERVICE-CONNECTED XXXX XXXX XXXX XXXX WHO OPENED BOTH A CHECKING AND SAVINGS ACCOUNT ON XX/XX/year>2018 WITHOUT ANY ISSUES OR PROBLEMS WITH PENFED CREDIT UNION! 

ALL OF MY GOVERNMENT MONIES FROM BOTH SOCIAL SECURITY AND THE XXXX XXXX ARE DIRECT DEPOSITS TO THIS PENFED ACCOUNT! 

MY XXXX  MORTGAGE PAYMENTS AND MY XXXX  INSURANCE ARE ALSO PAID OUT BY DIRECT DEPOSIT TO THE RESPECTIVE PARTIES WITHOUT A PAYMENT MISSING! 

ON XXXX2024 THE PENFED CREDIT UNION FROZE MY ACCOUNT AND TO THIS DATE HAS NOT TOLD ME WHY OR ANY REASON OR ISSUE INVOLVED WITH MY ACCOUNT XXXX! 

THEY BY LAW HAVE NOT GIVEN ME A LETTER WITHIN XXXX HOURS TO DETERMINE WHY OR FOR WHAT REASON AND TO THIS DATE HAVE NO REASON INFORMED TO ME! 

ON XXXX2024 THE XXXX BANK RECEIVED MY DIRECT DEPOSIT FROM THE XXXX XXXX AND TOLD ME TODAY THAT THEY WERE CLOSING MY ACCOUNT IMMEDIATELY AND TO COME TO THE XXXX BANK IN XXXX, GEORGIA TO COLLECT A CERTIFIED CHECK. 

UPON ARRIVING AT PENFED CREDIT UNION I WAS BOUNCED XXXX  TIMES BETWEEN OFFICES INSIDE THE BRANCH AFTER A XXXX WAIT -WAS TOLD THAT THE XXXX DEPARTMENT STILL HAD TO CLEAR THE BACK OFFICE INTERNAL HOLD AND TO RETURN ON XXXX2024 TO TRY AGAIN! 

THEY NOW TELL ME THAT THEY CAN NOT GIVE ME A LETTER AS TO THE REASON WHY AND THEY MAIL IT TO ME WITHIN XXXX  DAYS -HOWEVER, THE LAW STATES A LETTER MUST BE GIVEN WITHIN XXXX HOURS! 

I MUST HAVE A REASON WHY MY ACCOUNT WAS CLOSED TO FORWARD TO MY XXXX  MORTGAGE COMPANY AND MY XXXX  XXXX MORTGAGE INSURANCE. 

PLEASE CONTACT ME REGARDING THIS ISSUE FOR A RESOLUTION IMMEDIATELY, THANK YOU AGAIN FOR YOUR TIME AND ATTENTION IN THIS MATTER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA 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 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Contact to CITI about an ACH that was deposited in error. Requesting funds to be sent to sender/originator. Citibank refused initiate dispute or corrective action regarding ACH {$6200.00} amt XX/XX/year> Funds sent in error

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 2024-08-28 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/XXXX A credit application was denied without Tender of pay. 
XXXX XXXX A Credit application was denied without tender of pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: NC

Complaint narrative:
Initial complaint # XXXX New complaint submitted to attached updated FTC Report Report was updated to include inquiry dates although dates are clearly listed on dispute letter. Initial report also did not include XXXX and Experian, the two entities reporting incorrect information that has been identified as fraud.

See Attached

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Greetings : I'm temporarily in XXXX XXXX and have been for the last 2 years. Since finding out about the National Public Data breach I've been trying to figure out how to freeze my accounts at XXXX, XXXX and TransUnion. In the case of XXXX, I'm unable to sign in or create an account due to 'error XXXX ' while both XXXX and TransUnion are requiring U.S. details. The last straw was when I tried calling XXXX and couldn't speak to an agent because the automated system wouldn't allow it. Unfortunately, they didn't have expat issues listed and when I went thru the freeze protocol was unable to provide a current U.S. zip code. I find myself vulnerable to fraud and no apparent way to freeze my accounts. The whole point of my attempt to reach them was to find out what I could provide that they would accept from me as authentication of my identity. I would like to complain about all three of these credit bureaus for not providing a way for international access - and please don't let them get away with saying they do. I live in XXXX XXXX, XXXX. not XXXX, XXXX ( TransUnion, I believe ) which might have gotten me in the door of at least one of them.

I would also like to complain about the process in general. We're assigned SSNs but who owns them? I don't think I should have to go to each credit bureau individually to change the status of my SSN. I think I should be able to go into my SSA account and set it there then SSA should send my status change or the entities should request it. It would be faster, safer, more reliable and more likely to be taken advantage of by more holder of SSNs. Furthermore, if there are XXXX XXXX SSN holders then that would be the limit of attempts to change a status instead of XXXX XXXX not even including myE-Verify for more and more of us. 

Finally, if all databases were required to be encrypted to a minimum standard, and if each SSN was required to be uniquely encrypted then the hacker would have to decrypt up to XXXX XXXX SSNs that have been issued so far one at a time. So in these last two cases, I guess my complaint is about credit bureaus but the responsible entity is Congress. Dreaming, right?

BTW, I'm not angry... frustrated and mildly irked, maybe. XXXX about getting ahead of a serious problem down the line, definitely. I spent XXXX years in IT and mastered my craft. I understand the problem but I also understand the solution. 

I am very grateful for anything you can do in helping me get my freezes and also, for information about how I can unfreeze them when I get back to the States given that I will have been gone for several years. 

Best regards, 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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.

Complaint narrative:
Greetings : I'm temporarily in XXXX XXXX and have been for the last 2 years. Since finding out about the XXXX XXXX Data breach I've been trying to figure out how to freeze my accounts at Equifax, XXXX and XXXX. In the case of XXXX, I'm unable to sign in or create an account due to 'error 16 ' while both Equifax and XXXX are requiring U.S. details. The last straw was when I tried calling XXXX and couldn't speak to an agent because the automated system wouldn't allow it. Unfortunately, they didn't have expat issues listed and when I went thru the freeze protocol was unable to provide a current U.S. zip code. I find myself vulnerable to fraud and no apparent way to freeze my accounts. The whole point of my attempt to reach them was to find out what I could provide that they would accept from me as authentication of my identity. I would like to complain about all three of these credit bureaus for not providing a way for international access - and please don't let them get away with saying they do. I live in XXXX XXXX, XXXX. not XXXX, XXXX ( XXXX, I believe ) which might have gotten me in the door of at least one of them. 

I would also like to complain about the process in general. We're assigned SSNs but who owns them? I don't think I should have to go to each credit bureau individually to change the status of my SSN. I think I should be able to go into my SSA account and set it there then SSA should send my status change or the entities should request it. It would be faster, safer, more reliable and more likely to be taken advantage of by more holder of SSNs. Furthermore, if there are XXXX XXXX SSN holders then that would be the limit of attempts to change a status instead of XXXX XXXX not even including myXXXX for more and more of us. 

Finally, if all databases were required to be encrypted to a minimum standard, and if each SSN was required to be uniquely encrypted then the hacker would have to decrypt up to XXXX XXXX SSNs that have been issued so far one at a time. So in these last two cases, I guess my complaint is about credit bureaus but the responsible entity is Congress. Dreaming, right? 

BTW, I'm not angry... frustrated and mildly irked, maybe. XXXX  about getting ahead of a serious problem down the line, definitely. I spent 20-25 years in IT and mastered my craft. I understand the problem but I also understand the solution. 

I am very grateful for anything you can do in helping me get my freezes and also, for information about how I can unfreeze them when I get back to the States given that I will have been gone for several years. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NC

Complaint narrative:
Initial complaint # XXXX New complaint submitted to attached updated FTC Report Report was updated to include inquiry dates although dates are clearly listed on dispute letter. Initial report also did not include Equifax and XXXX, the two entities reporting incorrect information that has been identified as fraud. 

See Attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: CO

Complaint narrative:
This is a repeat of complaint XXXX that I am submitting to address updated deadlines that are, once again, missed. 

I am a member of the XXXX v. XXXX settlement class. Per this settlement, Mohela, my federal student loan manager, must discharge the qualifying loans and fully refund me by XX/XX/XXXX. Some loans were discharged in XX/XX/XXXX and refunded in XX/XX/XXXX, over three months late. 

Mohela and the Department of Education were given an extension to address any outstanding loans by XX/XX/XXXX. I have two consolidated federal loans, totaling {$20000.00}, that are a part of this settlement class that has neither been discharged nor refunded. 

On XX/XX/XXXX, the parties in XXXX XXXX 's courtroom confirmed that all loans would be discharged by this time and refund checks would be " in the mail. '' I have multiple " escalated '' tickets with Mohela and the Department of Education 's Borrower 's Defense teams. 

I remain unclear as to why and how Mohela can ignore the direction of a Federal Judge. I am also unclear as to why consumers face financial penalties for late payments, and Mohela does not. 

I anticipate a response from Mohela that they do not have the necessary information from the Department of Education, Borrowers Defense. While I believe this to be true, I have no indication of the proactive management of my accounts. Mohela 's passive management is to their benefit and my expense. 

Further, Mohela continues to direct me to facilitate communication between Mohela and the Department of Education. I have done this work in an effort to conclude this financial ordeal. It is at the cost of a significant amount of my time and energy. Why is Mohela paid to manage my accounts when they outsource their labor to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
My payment history has consistent records, but these late payments are not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
Love Beal and Nixon have sued me for a debt from XXXX that was a result of identity theft. This company claims to have served me personally for the court appearance but according to the process server at the time, 2019, I was a XXXX XXXX XXXX at XXXX tall with glasses weighing XXXX pounds. In 2019 I was XXXX, dont wear glasses and weighed about XXXX pounds and I am XXXX tall. So clearly XXXX XXXX served. I never had any idea any of this was going on. Until they put a lien on my house. And took my last {$200.00} out of my bank account. I have offered to pay just to get the lien off my house but they insisted I admit it was my debt. I can not do that. I have open cases with the FTC, IRS, SSA and several local law enforcement agencies. This is identity theft. My identity is being used by at least XXXX person that has been identified. This company is horrible. They refuse to let you dispute anything. And they are victimizing me even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/year> I sent XXXX, XXXX and Equifax a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: NY

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: NV

Complaint narrative:
I am not reliable for this debt with froedtert medical emergency. I do not own this debt and have no legal obligations or contract with state collection service inc. I want this remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone stole my identity and purchased stuff under my name and sent them to an apartment in NY when I never been to Ny so I would like to report this fraudulent activity and get it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: GA

Complaint narrative:
Noticed late payment on account due to billing error. I have never been late on this account ( XXXX  XXXX XXXX # XXXX XX/XX/2024 ), disputed with all three bureaus, XXXX deleted the negative and updated the account to paid as agreed however the other two, XXXX and experian did not. 15 U.S code 1681 ( b ) credit reporting agencies must assure maxmium possible accuracy of the information I believe this is being violated. If proof can not be provided I demand these payments being updated as paid as agreed on time. In addition all three consumer reports must report accurate and same information across the board which mine does not with the deletion on XXXX but not XXXX or Experian which is a inconsistency.

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 2024-08-28 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: TX

Complaint narrative:
XXXX FTC Identity theft report, XXXX XXXX XXXX was placed on notice that this was a fraudulent debt that they are reporting as being owed to them. How can I owe them a debt when I have never contracted to do business with them nor signed any agreement waiving any rights? They have not produced any documentation bearing my signature that I have agreed to open an account with them or conduct any business whatsoever. They certified to XXXX that this debt was valid and Im confused as to how anything was certified without XXXX ) a notarized affidavit and XXXX ) proof that an agreement with XXXX XXXX XXXX bears my signature. If it was certified why hasnt this proof been uploaded as a response to this complaint? THIS IS FRAUD and I demand deletion immediately. XXXX XXXX XXXX is purposely delaying correcting this information as required by law as though they are above the system in place to protect consumers. They even lied and stated that they had placed dispute language on the report which they have not as evidenced in the screenshots provided. They are merely attempting to prolong their duties under the law by delaying the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
XXXX FTC Identity theft report, XXXX XXXX XXXX was placed on notice that this was a fraudulent debt that they are reporting as being owed to them. How can I owe them a debt when I have never contracted to do business with them nor signed any agreement waiving any rights? They have not produced any documentation bearing my signature that I have agreed to open an account with them or conduct any business whatsoever. They certified to EXPERIAN that this debt was valid and Im confused as to how anything was certified without XXXX ) a notarized affidavit and XXXX ) proof that an agreement with XXXX XXXX XXXX bears my signature. If it was certified why hasnt this proof been uploaded as a response to this complaint? THIS IS FRAUD and I demand deletion immediately. XXXX XXXX XXXX is purposely delaying correcting this information as required by law as though they are above the system in place to protect consumers. They even lied and stated that they had placed dispute language on the report which they have not as evidenced in the screenshots provided. They are merely attempting to prolong their duties under the law by delaying the deletion.

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