vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


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 non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit 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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit 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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I did not do this loan!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! NAVY FEDERAL WILL NOT PROVIDE ME WITH ANY TYPE OF INFORMATION OF WHERE A CAR/TRUCK WAS PURCHASED FROM AND WHAT OR WHERE THIS CAR OR TRUCK WAS REGISTERED!!! IF YOU CAN NOT PROVIDE THAT INFORMATION IT SHOULD BE REMOVED FROM MY CREDIT REPORTS ALL OF THEM.

navy federal has been in the news for months about how they do XXXX people and I feel that is what is going on with this ; find a poor XXXX person and try and make their life harder ; XXXX people have to have XXXX plus just to be even considered

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Propel, Inc.
State: NC

Complaint narrative:
On XXXX I reported unauthorized charges on my debit card for a total of XXXX XXXX and wasnt refunded the stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The bank is unlawfully holding my employer 's paycheck. On XX/XX/XXXX, I received my direct deposit after my Navy Federal account was closed. I called around XXXX XXXX. to speak with a supervisor. The supervisor hung up the phone after I asked how it was lawful to hold my funds for something that hadnt even occurred yet. They did not give me a valid reason. 

They told me that my account was closed due to fraudulent claims, but the reason they gave was " due to me having a card in my possession. '' I explained that I have lost my cards and purse before because I move a lot and have XXXX XXXX XXXX I would lose my head if it wasnt connected to my body. Thats just an unfortunate thing about life, but to hold funds that I work for right when bills are due is unlawful and morally wrong. 

I submitted a dispute and sent money Navy to Navy. There is nothing legally wrong with doing either of those two things, so I am unsure why I am facing these consequences. They have no valid reason or no valid proof that I did something wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit 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 non-monetary relief
Consumer complaint received 2024-06-28 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:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit 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 non-monetary relief
Consumer complaint received 2024-06-28 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
My apple card was hacked off my iphone on XX/XX/XXXX for the following amounts to target. 
{$970.00} {$980.00} {$1200.00} $ When I noticed the erroneous charges, I notified Goldman Sachs immediately. I have spent many hours on the phone with them. Have since taken my card off phone and stopped using it. They temporarily reversed the charges pending investigation. On XX/XX/XXXX, I received XXXX emails stating I was responsible for the charges which I did not make, and they were putting them back on my card. I called immediately to dispute the decision and the cases are reopened. Do I need to file a police report? I did not make these charges. This is very frustrating and disappointing. 
My case numbers with Goldman Sachs are : XXXX XXXX XXXX Apple Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. 

Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Please help me. I have uploaded some of the emails but I have more. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The issue is with Comenity Bank for an XXXXXXXX credit card. I paid the full balance of {$40.00} and the next month I had a bill for {$2.00}. I called and spoke with a representative and they said they would remove the {$2.00} but that never happened and they charged a late fee of {$4.00}. I called and they agreed to waive the {$4.00} but not the {$2.00}. I understand this amount is small but if this is happening as a normal practice of paying interest the month after you pay off a card in full that is wrong and they are collecting a lot of funds. Also this better not have affected my credit over a fee that is not valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-06-28 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: MD

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
someone opened an target account in my name that I was inaware of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have filed multiple disputes with Equifax regarding fraudulent information on my credit report. Despite submitting a Federal Trade Commission ( FTC ) Identity Theft Report, which mandates that credit bureaus delete and block information resulting from identity theft, I continue to face significant challenges in having all erroneous items removed from my report. While I acknowledge that Equifax has taken steps to delete some of the disputed items, it is profoundly unjust and distressing that not all have been addressed. 

Moreover, I am deeply troubled by the perceived delays and lack of transparency in how my disputes are being handled. I have repeatedly requested verification that my disputes are being reviewed by qualified personnel and have asked for documentation including : The name of the original creditor for each disputed account. 
The address and phone number of the original creditor for each disputed account. 
The name of the Equifax representative who verified the dispute with the original creditor. 
The specific documentation used to verify the dispute with the original creditor. 
Equifax has failed to provide me with any original documentation, such as a consumer contract with my signature, as required under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, Equifax has not provided the method of verification as mandated by law within the specified timeframe.

Under Section 611 ( 5 ) ( A ) of the FCRA, Equifax is obligated to promptly delete all information that can not be verified. It is evident that Equifaxs handling of my disputes has not met these legal requirements, which may warrant civil liability under Sections 616 and 617 of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I initially applied online for a BMO Alto XXXX XXXX at a rate of 4.80 % on XX/XX/year>. It was declined and I was instructed to try again later. I attempted to reapply several times over the next week and received the same message. Follow up emails from BMO provided no additional information. I called BMO Alto XXXX times on XX/XX/XXXX. I explained to them that I wanted to open an account by transferring {$250000.00} from another banking institution. I told them I has current accounts with XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I even offered to go into a local BMO branch and apply in person. I was told that accounts could only be opened online and since I had been declined, it would be impossible for me to do so, even though they were unable to tell me why I was declined so I could correct the problem. I also noted there were similar complaints online from other qualified applicants being declined online.

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 2024-06-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have accounts opened in my name while I was XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have tried to resolve this issue for months now. I have submitted FTC reports, Police reports, etc. Nothing has happened.

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 2024-06-28 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Involves XXXX XXXX ( myself ) and XXXX XXXX ( my Father ) Both are joint account holders Involves Credit Acceptance. 
Involves vehicle purchase from XXXX XXXX XXXX XXXX ( the dealership were car was purchased from ) Credit Acceptance can not validate that they were lawfully a financer of the vehicle due to no signature. 
Vehicle was not properly financed. Credit Acceptance was chosen by XXXX XXXXXXXX XXXX XXXX Not by myself nor my father. 
Me and My Father were forced to make payments and could not refinance vehicle. 
Credit acceptance did not properly reflect/report payments. 
Credit Acceptance threatened repossession and legal action.

Credit Acceptance made harassing phone calls.

Credit acceptance interest was too high especially since I am a Veteran. 
The dealership illegally registered the car in my Fathers name using my Drivers license information. 
More issues can be addressed at later time. 
Credit Acceptance is under investigation for the same issues by the Attorney General of New York. 
I have filed a complaint on these issues through CFPB in the past. 
Needs credit acceptance report removed from mine and my fathers credit.

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 2024-06-28 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have not been able to get online to check the status and terms of my variable interest rate mortgage. I have spent hours trying to get on line and have called the company. They have had the wrong phone number for me and changed it. Today I tried again with my password and username that were not incorrect. The website again said these were incorrect and wanted to text or call me to what appeared to be the correct number but the call did not go through. 

I requested paper statements. My most recent states of the XXXX I paid, XXXX went to principal. Year to date {$820.00} to principal and {$5600.00} to interest. 

This seems predatory to me. I work 2 jobs and don't have time to spend hours trying to get someone to discuss this with me. My paper statement says PENDING on any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Aplique a un prstamo personal mediante la aplicacin mvil Experian con XXXX XXXX XXXXl y me dijeron que estaba aprobado y luego al parecer ellos me informa de que no estaba aprobado despus de crearme un inquiry en mi reporte de crdito.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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 non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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 XXXXXXXX

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