vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX The above company has placed an inquiry on my credit report. 
According to the FCRA, I am requesting a permanent removal of such inquiry. 
15 U.S.C. Code 1681 ( b ) Permissible purposes of credit report. 
I have not given consent to use my credit report, nor have I signed any written agreement to have access to my credit report in such manor.

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 2024-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I recieved a text message asking me to pay some change to XXXX becuase my package was stuck at a warehouse. Which, I did order something i was waiting for. It prompted me to enter my card information and i hesitated but i did because it looked fairly legit and i was worried it wouldnt deliver. the next day navy Federal called me and said i had a fraudulent loan and needed to log ibnto my account and send them the money back so they can fix it. When i logged in i saw that i indeed had a {$5000.00} loan account i did not request. The man sounded just like he worked for navy fed and was very professional. I suspect it might even be his day job. He told me to send the money in incriments to nav federals official XXXX account. It was a lot of strange steps and i cant remmeber exactly how they made me do it but it even involved an external account. The man played me like a puppet. Since then i have been receiving non stop scams on every account i have and have lost about {$7000.00} in total. I trusted that navy federal called to assist me but it was not in fact navy federal. NIW AFTER A LENGTHY PROCESS IN REPORTING FRUAD, NAVY FEDERAL IS STILL EXPECTING ME TO PAY THEM FOR THE LOAN. Additionally they have taken over {$2000.00} from me through my direct deposit and a refund from an extended warranty i bought last year and received in recent months. They insist I am responsible though I have provided thorough and sufficient evidence that i did not open that account. Furthermore, there were XXXX security checks done on the FORAGED signature on the promissory note signed in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AZ

Complaint narrative:
XX/XX/year> my phone was stolen and someone transferred {$900.00} dollars to them selves and chime is refusing to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
I am invoking my right to dispute and investigate these accounts, as they are wrongly listed on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B requires us to report any inaccuracies in a consumer 's report.

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 2024-06-27 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: Nelnet, Inc.
State: NC

Complaint narrative:
My loans were previously serviced by Nelnet and then sold to XXXX. My employer made a payment on my behalf to Nelnet after my account was transferred to XXXX. Nelnet cashed the check and it was never applied to my account. I called more than 5 times over the past 6 months and they keep saying they will provide a check to XXXX on my behalf for the amount but this has not been done nor has proof been provided that it was done. They have kept funds that were to be applied to my loans this causing me to accrue months of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX XXXX continue to report several late payments on the account lister as XXXX XXXX XXXX Account # : XXXX there is no way the consumer agencies verified these late payments because this means they would have access to my personal financial records which would be against the law as I have a right to privacy. Update these late payments as paid as agreed or provide the evidence used to determine I was indeed late.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-06-27 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:
This has been causing me so much XXXX and I feel like no one has been paying attention to my complaints. I am seeking help because my credit report is now filled with a lot of inaccurate 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 non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Kindly take the time to thoroughly review the attached documents. It's important to carefully examine these materials to ensure a comprehensive understanding of the information provided. Your attention to this matter is greatly appreciated.

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 2024-06-27 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:
I was in XXXX  at the time this account was originally open and gave no permission for no one to open accounts I have reach out to all credit bureaus told them it was identity theft and still nothing done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: WI

Complaint narrative:
TransUnion XXXX credit reporting company refused to make very pessary adjustments showing on my credit report This account is REPORTING DEROGATORY ACCOUNT WHICH HAS AFFECTED MY CREDIT SOC RATEIN I CONTACTED CREDIT BUEAUS. Which has file on Going disputes XXXX xtimes who refused to make. Chances. RATES seen on my credit report XXXX NAME CREATED XXXX XXXX WHICH provide me XXXX a letter sending me a DIFFERENT lWhich shows NO LATE PAYMENTS how is being reported Delinquency on my credit report .Which ACCOUNT is. paid in full... also on time This account doesn't need DISPUTE. This account needs to make change on the Scores and the XXXX. 
For my personal records. due to this account wasn't never late account payments paid on time. And again. Credit Bureaus. REPORTS MAKES DECISIONS OF HOW these accounts are Graded not the companies

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 2024-06-27 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: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX The above company has placed a hard inquiry via Transunion on my credit report. 
According to the FCRA under 15 U.S.C Code 1681 ( b ) there were no other permissible purposes of consumer report. Furthermore, I have not given written consent to access my credit report in any other way shape, or form.

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 2024-06-27 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: GA

Complaint narrative:
I am very distressed with how my complaints turned out. I am constantly ignored regardless of my consistent plea for my information to be verified and updated but here we are yet again. I'm getting frustrated that none of my scores are going up because of the inaccuracies that are hindering my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong 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 non-monetary relief
Consumer complaint received 2024-06-27 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: CA

Complaint narrative:
XXXX & Equifax continue to report several late payments on the account lister as XXXX XXXX XXXX Account # : XXXX there is no way the consumer agencies verified these late payments because this means they would have access to my personal financial records which would be against the law as I have a right to privacy. Update these late payments as paid as agreed or provide the evidence used to determine I was indeed late. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge maXXXX not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I filed a dispute with Upgrade on XX/XX/year> regarding Transaction Post Date Merchant Transaction Amount* Disputed Amount** XX/XX/year>XXXX XXXX XXXX  {$2900.00} {$2900.00} On today, XX/XX/year>, I received notice XXXX XXXX, Thank you for choosing Upgrade! 

We have received your submitted dispute. We are contacting you to provide a status update on your recent dispute for the following transaction ( s ) : Transaction Post Date Merchant Amount Dispute Status XX/XX/year>XXXX XXXX XXXX {$2900.00} Declined This email is to inform you that we have resolved your dispute. Unfortunately, we had to decline the dispute for the following reason ( XXXX ) : We are unable to override the merchant 's refund policy, and have no further recourse to pursue this matter with merchant. 

I never received what I am being charged for. 

Upgrade is not a good company. They never allowed me rebut what was said by the merchant. Moreover, was verbally told by Upgrade employees that the only people that are declined is if the dispute is not responded to. I supplied evidence that the merchant was processing my refund however to date the merchant has not refunded my money. 

I have no idea who XXXX XXXX is who processed my payment and XXXX sent me the receipt however the company originally associated with that website no longer exists. Please note that others in the program were able to successfully get a permanent credit from their credit card company for the same issue, but Upgrade failed me. 
XXXX  the creator XXXX XXXX and the entire program is fraud. 

Credit card company is Upgrade ( XXXX ) XXXX Upgrade is located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, California XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Unauthorized inquiries have been identified on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Homeonwber insurance I left my home without homeowner insurance for 29 days then my Mortgage company is charging me {$180.00} when I am paying only {$100.00} per month, so this is extremely high. Somebody can do something in this sense and stop this kind of contract and have a better regulation for the CONSUMERS!!! not for the lenders? 

It might not have any effect in this matter but I hope many people get informed about this Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
I listed all the inquiries doesn't belong to 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 explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo- Applied over {$300.00} In late fees to the account. We have spent over 2 years fighting them that they applied the payments incorrectly. Have sent over bank statements to prove the issue 11 times, each time they were never received. Every time we reached out, they gave us different emails, fax numbers and mailing addresses to send the statements to. 
Finally we gave up and wanted to just pay off the loan and be done with it, they double charged us the late fees, stating the full payment didnt reflect paying off the late fees. After they repurposed the payment, they claim we still owe {$330.00} in late fees causing the pay off amount to still show close to {$400.00} more than it was originally quoted. 
From what we can tell, they are adding the late fees to the principle of the loan to collect interest on it and creating a double charge of late fees. 
In speaking with the reps again. They refused to acknowledge the conversation where the original agent had made the mistake, and are still standing firm on double charging us for the late fees.

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 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-27 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: CA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong 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 2024-06-27 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: IL

Complaint narrative:
I am asserting my right to dispute and investigate these erroneously reported accounts on my credit file. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each incorrect entry. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
On behalf of XXXX XXXX XXXX XXXX Radius Global has a debt of {$1700.00} on XX/XX/XXXX from an account that was opened due to Identity Theft. The account was not authorized to be opened by 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 explanation