vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2024-12-26 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
on XXXX I called XXXXXXXX XXXX to discuss the inquiry from XX/XX/XXXX on my credit reports They indicated Experian needs to fix the error the inquiry should fall off XX/XX/XXXX not XX/XX/XXXX on my experian credit report there is a inquiry from XXXXXXXX XXXX for XXXX the inquiry should fall off in XX/XX/XXXX not XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX I deposited a check from my school XXXX XXXX XXXX for the amount of {$2700.00} into my checking account. I was told the day that I deposited the check that a small or a portion of the check like XXXX and some bucks would be released that day. The remaining of the funds will be available on Friday. I proceeded to deposit the check into the account and also to make arrangement on very important bills that had to be paid by a deadline because of what I was told in the bank. I called today, XX/XX/XXXX and chatted at a online chat with a representative to ensure and to see if everything had processed and my funds would be available as promise on Friday, XX/XX/XXXX only to be advised that on XX/XX/XXXX XXXX XXXX they sent an email saying something about my deposit being held with for up to five days. I explain to her that no one even checks their email on XXXX XXXX from their bank. I was under the assumption that they were even close that day. That was the reason why it was not considered a business day. However, they are stating that it was open they were open 24 hours of through the call center, but nothing was being processed. And that theyre gon na hold my funds until XX/XX/XXXX, which will send not only my account in further overdraft, but also some of my major bills will be returned because the funds are not available and theyre holding a check that has been should be cleared. This is not the first time that this type of check has come through the bank it is from my major college. There should not be a problem. I even took the check to XXXX XXXX  before I came to my credit union, they told me the funds were available, but they couldnt cash it because I did not have a XXXX  account and the check was over their limit of {$2500.00} for non-customers, so I dont know why my bank is having a problem with it, but apparently theyre holding this which is gon na put me in a hole and I will get charged overdraft fees and my bills not paid for this. This is unfair and customers should not be treated like this. Not to mention the notice that my deposit was successful the day I made the deposit then all of a sudden its problematic. Something is wrong and I am livid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have an store credit account with Big Lots. I previously would make all my payments in store. I was told by a store associate when I went to make my payment in XXXX 2024 that the physical stores would no longer take payments and that I could do it online or over the phone. I tried to make a payment online using my account but online you could only use your banking account info. ( account # and routing ). I don't feel conformable using that info online ever so I decided to give them a call. A representative helped me make my payment with no issues. I wasn't charged a fee making that payment nor was one mentioned. Fast forward to XXXX 2024. I called to let them know I wanted to close my account. This time before I was transferred to a rep the automated system informed me that it could be a {$9.00} fee if a rep was to assist with making a payment using the phone. I spoke with a rep and let them know I wanted to close my account. The rep said I would need to pay my remaining balance of {$43.00}. I expected that and was willing. The rep then stated for me to pay using my debit card there would be a {$9.00} fee. They stated that the total to be charged to my card that evening would be {$52.00}. They payment went through and the rep gave me a confirmation #. Two day later I noticed that the charges had not come out of account. I called Big Lots customer service back and was informed that it could take 2-3 days. But they saw the payment and everything was ok. I recently logged in online to check to see if they finally took out for the payment. They only debited {$43.00}. I was confused as it was supposed to have been {$52.00}. Big Lots ended up billing for the {$9.00} instead of taking it out using my debit card. Thus, creating another charge on my statement calling it an " expedited payment fee '' then adding interest all in a span of a week. I didn't ask to expedite anything. Plus if it was expedited why did it take 3+ days to come out of my account and reflect on your end as paid. The whole time I'm left to think the account has been paid off and closed. Now I have to pay interest on the {$9.00} fee for making a payment with them. And again the ONLY way to make a payment with your debit/credit card is speaking with a representative. I know it's not a lot of money but I am only one of thousands that when a company nickle and dime each customer it can really add up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 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: VA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: OH

Complaint narrative:
I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, am not able to be approved a load because Clarity has a freeze on my account that I NEVER requested. online and telephone updates couldn't be made because they say they couldn't verify my information. 

I will lose approval for my loan request if this account is not unfrozen ASAP.

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 2024-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar had a system conversion and took my mortgage out three times in two days immediately after the conversion on XX/XX/XXXX and twice on XX/XX/XXXX. Can not get through after 40 mins and drove to office. They could not get through. Been sitting in the brach manager office and she can not get through.. Can not see any transactions on the phone app since that is all jacked up.

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 2024-12-26 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: CA

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.

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 2024-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I attempted to open an estate account at my local PNC Bank, XXXX, NJ after receiving clear guidance over the phone regarding the necessary documents. I was informed that I needed to provide the original death certificate, a copy of the court letter of administration or executor, and the XXXX. I brought the original death certificate, the letter of administration, and the XXXX number with me. However, I faced discrimination and a refusal to open the account due to not having the original letter of administration, which was unnecessarily requested. The bank representative, XXXX, exhibited discriminatory behavior and questioned my residency status, despite the fact that I live in New Jersey and the estate is located in New York. I believe this treatment is unjust and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was approved United Airlines credit card by Chase with an annual fee of over XXXX dollars. After a few month they closed the card and did not refund the annual fee. I asked them to reinstate the account but was told that I do not have installment loan that's why they can not reinstate the account. To the best of my knowledge, installment loan is not a requirement to be approved for a credit card. I have a feeling that Chase intentionally approved the card, charges annual fees, and closes the account a few month later to gain from annual fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
RE : Request for Information Verification - XXXX XXXX XXXXXXXX Accounts : # XXXX # XXXX To Whom It May Concern : Pursuant to 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.41, I formally request an investigation into these fraudulent accounts appearing on my credit report.

Per FCRA 611 [ 15 U.S.C. 1681i ], I demand verification of : 1. Date of first delinquency ( DOFD ) 2. Date of last payment ( DLP ) 3. Date of charge-off Under FCRA 623 ( a ) ( 5 ) [ 15 U.S.C. 1681s-2 ( a ) ( 5 ) ], furnishers must report accurate dates of delinquency. The account details : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Account Type : Unsecured Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Under FCRA 611 ( a ) ( 1 ), you have 30 days to complete this investigation. Failure to comply may constitute a violation of federal law. 

cc : Credit Reporting Agencies XXXX XXXX, Experian, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
There are some Unauthorized Inquiries on my TransUnion Credit File, which I am disputing and requesting that these fraudulent and unauthorized inquiries is deleted from my credit report, based on the following letters from the various creditors which stated that they would delete these unauthorized inquiries from the credit report. Please remove immediately, Per 15 USC 1681b ( c ), HJR 192 of 1933, and 18 U.S.C. 1028A. Violation of these statues will result in litigation seeking {$1000.00} per occurrence. 
The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Fair credit act is being violated Experian say Iam unscoreable and I dont have a credit score.Ive had a credit card for years with excellent payment history I have a bunch of outdated information

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 2024-12-26 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
My name email address home address phone and social has been stolen to open up ez pass accounts, racked up high bills and now Im getting calls from debt collectors. I dont even have an ez pass account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I contacted Bank of America regarding a refund placed on my Bank of America credit card from XXXX. Bank of America advised since the funds were placed on a closed credit card they would need to issue a refund payment. I was then transferred to customer service from credit card support. Once connected to customer service, the agent advised that they would issue a refund and I asked would it be in a form of direct deposit into my account or a check, the agent advised he did not know for sure and he needs to process the request first, I asked how would I be updated regarding next steps he confirmed through the online banking center on the app. I confirmed my address with the customer service agent apartment XXXX when I was speaking with him today I was notified by USPS informed delivery that Bank of America sent out the check from Arizona. 

Today I called customer support and spent 35 minutes holding for an agent to only be told you need to speak with credit card customer service. I told the agent that is not true based off my prior communication. I also advised I want to make a complaint regarding the customer service agent Who gave me wrong information. Keep in mind this was a 55 minute call I had to disconnect. The agent did not seem to know what to do regarding this and told me he was speaking with upper support on how to handle this lots of dead air and hold time on top of the long hold time to get a live agent pathetic anyway The agent eventually said he wanted to give me an executive email and I advised Im not gon na do your guyss job to escalate an issue. Your agent messed up long story short this still has not been resolved and I had to hang up because Im not going to sit on the phone with incompetent agents. This is a major compliance issue. 

I want you guys to pull every single call in the customer service Ive made regarding this and coach agents accordingly this is a horrible experience for not only myself, but for other potential Bank of America customers who are already frustrated sitting on hold for so long.

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