vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX -Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX -Date of inquiry : XX/XX/XXXX XXXX -Date of inquiry : XX/XX/XXXX XXXX XXXX -Date of XXXX : XX/XX/XXXX XXXX XXXXXXXX -Date of XXXX XXXX XX/XX/XXXX XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX  XXXX -Date of inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2024-02-29 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: UT

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to XXXX XXXX XXXX XXXX XXXX you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. XXXX XXXX XXXX  XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are unauthorized inquires on my credit report. I have attached a letter providing the inquires.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I had an issue with Bank of America because they closed my account without reason and hold me money for 3 months. 

Last year I tried to open an account in a few banks an all of them declined my application. When I checked XXXX I noticed that Bank of America reported Account closed. Reason : suspected fraud activity and any amounts owed have been paid You can check in my last complaint that they closed my account after their ATM broke when I was making a deposit, they hold my money for months. Every time I called Bank of America they treated me like trash when I was calling to know about my money. 

I did not owe them anything. I made a dispute on XXXX they just changed it to " suspected fraud activity with no monetary loss ''. I demand the proof that they have to report that information. I need that false information delete from my report. 
I made a lot of complaints against Bank of America and if you can not help me with this, I will go to court. 

Bank of America affected my finances for almost 3 months, and they keep affecting me reporting false information. On top of that XXXX is allowing them to do that because I disputed the information, sent them proof of what happened and they did not help me.

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 2024-02-29 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:
IN 2019 MY PURSE INCLUDING MY PERSONAL INFORMATION WAS TAKEN FROM A EVENT. ON SITE AUTHORITIES WERE NOTIFIED. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I ALSO SEE SOMEONE ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME, THERE ARE INQUIRIES FROM CREDITORS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NOT GIVEN ANY CONSENT FOR THESE. I CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION AND HAVE YET TO RECEIVE A FORMAL RESPONSE MAKING THESE ACCOUNTS UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY, AND I HAVE NOT GIVEN ANY WRITTEN CONSENT WHICH IS IN VIOLATION OF XXXX XXXX XXXX ALSO FURNISHING ACCOUNTS TO MY PROFILE IN RESULT TO IDENTITY THEFT IS IN VIOLATION OF 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 non-monetary relief
Consumer complaint received 2024-02-29 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: NC

Complaint narrative:
I explained ti transunion there were fraudulent inquiries and accounts being reported in my consumer report. I provided an identity theft report and requested block and removal for these fraudulent accounts. Transunion has failed to block and remove these accounts according to the FCRA and various consumer protection laws pertaining to identity theft.accounts associated to identity theft are listed below and have been removed by both XXXX and XXXX. 

Accounts : XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX  Closed on XXXX XXXX, XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have requested documents and response from this company! I have yet to receive anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
I have applied for a re-structure on my student loan in XX/XX/2023 to lower my payments and was given a new estimated payment of {$45.00} per month. Company stated they are still behind on my application and I am in there system to get completed and in pending. However I continue to receive billing statement while they are working through there back log of application. I need to have my repayment application completed soon, so I can start making the lower payment that was documented and discussed 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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
This is totally unacceptable Chime! I woke up to check my Chime bank account on the XXXX of XX/XX/2024 and I noticed my balance was way below than what I had. I then noticed XXXX fraudulent transactions that were posted. Someone had initiated a transfer to the bank called XXXX. I have absolutely no idea what that even is and someone made XXXX transfers of {$700.00} and {$860.00}. Also, somehow the account has been linked to mine for some reason and now it says I cant pull funds from this account. Coincidence? I think not. I submitted a dispute and they rejected it twice. Now I am XXXX down the hole in money and Im afraid I wont be able to make payments to my credit card companies and it is money that I need! Im going through a financial crisis, as well as anxiety because of this. Also when I called and told them that my account is compromised they didnt even attempt to close my account or send me a new card, the best they said was Submit a letter on what happened as supporting documentation, which I did and which still provided a denial of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: NY

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate 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 explanation
Consumer complaint received 2024-02-29 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:
Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there exists a crucial need to ensure that consumer reporting agencies discharge their duties with fairness, impartiality, and utmost respect for the consumers right to privacy. Recognizing Equifax, XXXX, and XXXX XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to safeguard my private information. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. The corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX fall within the definition of financial institutions described under this statute. Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are authorized to furnish a consumer report solely in compliance with the written instructions of the consumer. Equifax, XXXX and XXXX lack my consent to furnish this information in regards to the above mentioned financial institutions and are devoid of my written authorization. Any form of consentbe it verbal, non-verbal, written, implied, or otherwiseextended to Equifax, XXXX and XXXX is hereby revoked. Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX failed to apprise me of this option in any clear conspicuous manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have a credit card for a number of years and payment is ALWAYS up to date. 
On XX/XX/XXXX I received a text to XXXX XXXX XXXX suggesting that my Bank Account with Citizens bank was in defaultThis message is intended for XXXX XXXX. Citizens has an important update about your account ending in XXXX. If this is XXXX XXXX, reply YES for more information. Reply HELP for help or STOP to cancel additional alerts. 
help For assistance, please call Citizens Bank at XXXX. Text STOP to cancel additional text alerts for this request. 
bogus call since I have no checking account with Citizens only a credit card payment due XXXX of XXXX Your reply wasn't recognized. Valid options are : YES, HELP or STOP stop You have cancelled additional text alerts for this call back request to this phone number. To continue receiving alerts reply RESUME. For help call XXXX. 
XXXX For no reason the card was invalid when I used yesterday. 
Was this a ruse to suggesting I have a checking account with Citizens that I have never had and payment is made through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CARD Corporation
State: SC

Complaint narrative:
So I got a card.com card because the designs are different from the banks and it was a pretty card which I thought would be great, boy was I wrong. I had my income taxes directly deposited to my account. By the third time I used this card it was declined. I called customer service which told me the there was a hold on my account and I needed to fax over a copy of my ID, my social security card, a bill with my name on it and my last deposit to my card. I did that and was told in 2-3 business days the hold would be released. Needless to say the hold has still not been lifted. Now I have no access to my income tax, Ive sent in the documents that they have requested three times already and each time they seem to find something wrong with the documents that were sent. First they said my water bill was not sufficient so I resent everything this time adding a light bill. Then they said my last deposit to my card which was a XXXX XXXX transfer wasnt sufficient and that I needed to send over a statement. Being that this is still the month of XXXX the statement for XXXX XXXX isnt available for XXXX yet which would show my last deposit to my card. It has been a week now and I've asked to speak to a supervisor every single day that Ive called and every time there is never one available. I have XXXX kids in my home and I have no way to access my funds on this card to feed them. As of right now my lights are disconnected due to me not being able to access my funds to pay the bill. I would never recommend this card to anyone. Hopefully my funds will be released but I don't have much faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquiry XXXX, XXXX, and TransUnion, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within XXXX  days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.

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 2024-02-29 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:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquiry Equifax, XXXX, and XXXX, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within XXXX  days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was in XXXX de XXXX XXXX on XX/XX/24 and at around XXXX I lost my card but was no aware. In the morning I noticed a charge from a XXXX XXXX for {$960.00} USD amongst other smaller charges {$36.00}, {$38.00}, {$60.00} {$12.00} and {$2.00}. When I talked to Chase Bank I told them the XXXX charge I did on the card was the XXXX charge which is where I lost my card. I did not get a letter on my portal as they said I did and they re-charged me for everything stating that because there was charges that did not mention that were made after the charges that I reported which is not true I did not have the card on me. I don't understand how they can charge me if the pin was not entered and obviously I did not sign for those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
To Whom It May Concern : I was advised by a Mohela agent named XXXX on XX/XX/XXXX that processing of my application for a SAVE plan has been delayed because a new SAVE application was opened in my name on XX/XX/XXXX with a Mohela agent over the phone. This was news to me. If a new SAVE application was opened in my name on XX/XX/XXXX this was against my direct expressed wishes. I spoke with Mohela Agent XXXX on XX/XX/XXXX to follow up why the Mohela website showed I was in the ICR plan still since I put in my original SAVE application for my consolidated loan on XX/XX/XXXX. I have been waiting since XXXX for Mohela to process my SAVE application. I called Mohela on XX/XX/XXXX because on the Mohela website I saw I was still not in SAVE. I told XXXX NOT to open a new application for SAVE for me multiple times because I was afraid it would delay the SAVE application I already started. He assured me that he would NOT open a new SAVE application for me. He said he escalated the situation to his supervisor and they flagged my past SAVE application so it would be " expedited '' and it would be processed within XXXX working days. He encouraged me to call Mohela back on Wed XX/XX/XXXX if I did not see the website updated and me in the SAVE plan by then as he expected. So on XX/XX/XXXX I called Mohela to check on timeline and to my surprise I was told my SAVE plan application is " delayed '' because a new application was opened with XXXX on XX/XX/XXXX. If this is true this is criminal behavior of Mohela to be opening federal loan applications in someone's name and against their direct and expressed wishes.

Mohela harms me financially and benefits themselves the longer they delay my SAVE application. Under SAVE, due to my income, my monthly bill will be XXXX XXXX and accrued interest will be covered. As of XX/XX/XXXX my accrued interest from XXXX is {$1300.00} and Mohela just did an auto debit payment of {$250.00} based on the ICR plan repayment they continue to keep me in. Mohela 's actions of opening applications for federal loans for its customers against their direct expressed wishes is against the law. This needs to be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX For XXXX : XXXX XXXX off Account without an issuance of a 1099C.

Requesting a 1099C on the accounts listed below. This is a follow-up to the letter I received about the charge-off accounts listed below That I never received a 1099C ACCOUNT NAME : CAPITAL ONE ACCOUNT # : XXXX || XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 



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



15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 



15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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