vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient paragraph I took {$26000.00} loan out in XXXX Look up. I was scheduled to pay after graduation XXXX. However I was not able to get a good paying job to afford the loan. I also ended up filing bankruptcy around that time and navient student loan went into forbearance until bankruptcy was over. In XXXX or XXXX I was able to get a XXXX XXXX a XXXX making {$16.00} per hour. However then I was XXXX  off within XXXX  months along with XXXX other employees. I was tired of the run around tired of XXXX XXXX XXXX and nothing stable or that paid well in order to survive. I decided go to XXXX XXXX  XXXX  to get XXXX degree. My Navient loan was still in forbearance. Then XXXX happened and student loans were halted for everyone. I started paying Navient in XXXX, even though it was still in forbearance. My navient loan went from {$26000.00} to {$39000.00}. I couldnt believe it. Every time I paid {$370.00} different amounts went to interest and to actual loan. For example on XX/XX/XXXX {$160.00} went to loan and {$200.00} went to interest. On XX/XX/XXXX {$150.00} went to loan {$210.00} went to interest. THEN on XX/XX/XXXX {$300.00} went towards INTEREST and ONLY {$69.00} went towards paying off my loan. Then interest amounts are ridiculous! I have screenshots of each month when I started paying the full payment due of {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Technology Federal Credit Union
State: DC

Complaint narrative:
I held a credit card balance on at First Tech Federal Credit Union for which monthly payments were low ( around {$200.00} ). In XXXX and XXXX I chose to make large lump sum payments to pay down my debt. On XX/XX/XXXX, I made a payment of {$4000.00}, which the banking app said was posted on XX/XX/XXXX. Two months later, I saw that the bank had submitted a XXXX late notice to credit agencies stating that I had not paid for the month of XXXX. I contacted the bank to correct the issue, and they agreed that I was not 60 days delinquent. However, when I reviewed my updated credit history, it showed that they changed the notice to a 30-day late notice for the month of XXXX. When I contacted First Tech, they told me that they submitted a 30-day late notice for the month of XXXX, even though I submitted a payment of {$4000.00} on XX/XX/XXXX. The credit union now refuses to correct this notice, stating that the billing period for the month of XXXX starts on XX/XX/XXXX. However, the bank did not notify me that I was delinquent in my payment, they did not attempt to contact me in XXXX or XXXX, and they never assessed a late charge. This is the first derogatory remark on my credit history and it dropped my credit score by XXXX points. I do not believe my new credit score reflects the reality of the situation, nor my upstanding payment history, and I am asking that CFPB review these practices to help reverse this decision and restore my good credit. At XXXX XXXX XXXX, such a hit would be devastating to my goal of owning property in the near future.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent multiple dispute letters and my driver license showing my name and address

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 2024-09-18 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: UT

Complaint narrative:
I am writing in response to your recent communication dated XX/XX/year>, in which my request to block information in my credit report due to identity theft was denied. I submitted a valid Federal Trade Commission ( FTC ) Identity Theft Report and all the required supporting documentation, as mandated under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. According to the FCRA, upon receiving a proper identity theft report, the credit reporting agency must block the reporting of information resulting from identity theft within four business days. Your letter claims that my request was denied because the information was either ( 1 ) submitted in error, ( 2 ) based on a material misrepresentation, or ( 3 ) I knowingly obtained goods or services as a result of the transaction. These claims are inaccurate, and I dispute your refusal to block the information as required by law. Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block any information that the consumer identifies as resulting from identity theft when : The consumer provides appropriate proof of identity, The consumer submits a valid identity theft report ( which includes the FTC affidavit XXXX, The consumer clearly identifies the fraudulent information, and The consumer requests the block in writing. I have fully complied with these requirements by submitting an identity theft report, supporting documentation, and the necessary written request to block the fraudulent items. I also provided all relevant information identifying the disputed items. I received from XXXX and Equifax an that states that the block I requested was invalid due to some information as payments made on that account although the I was a victim of the id theft and the suspect actively paid off my account and opened more accounts with my information and I had not noticed what was going on for over 4 years until my score dropped. I am not really tech savvy and dont pay attention to such things and never thought I could be a victim of identity theft and under FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency XXXX & XXXX block the information appearing on my credit report, which is the result of identity theft. The fraudulent information includes the Affirm account with an amount of {$680.00}, the XXXX XXXX XXXX XXXX account with an amount of {$4300.00}, and the XXXX XXXX  account with an amount of {$6800.00}. Additionally, a second XXXX XXXX  account under account number XXXX with an amount of {$10000.00} is also fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have an American Express card I bought from XXXX XXXX but I tried using it online and it doesn't work I have XXXX on it - XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reached out Transunion on XX/XX/year> regarding a request to investigate things I deemed to be inaccurate or incomplete. Transunion responded back with a stall letter on XX/XX/year>. Stating that it was not me and implying its from a third party. Which I got help from submitting from the CFPB days go submitting. However Im not sure why they think Im a third party. As Im trying to fix my own credit and get these inaccuracies removed. That way I can proceed on purchasing my next home, car or whatever I need to in the future.

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 2024-09-18 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-09-18 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: UT

Complaint narrative:
I am writing in response to your recent communication dated XX/XX/year>, in which my request to block information in my credit report due to identity theft was denied. I submitted a valid Federal Trade Commission ( FTC ) Identity Theft Report and all the required supporting documentation, as mandated under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. According to the FCRA, upon receiving a proper identity theft report, the credit reporting agency must block the reporting of information resulting from identity theft within four business days. Your letter claims that my request was denied because the information was either ( 1 ) submitted in error, ( 2 ) based on a material misrepresentation, or ( 3 ) I knowingly obtained goods or services as a result of the transaction. These claims are inaccurate, and I dispute your refusal to block the information as required by law. Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block any information that the consumer identifies as resulting from identity theft when : The consumer provides appropriate proof of identity, The consumer submits a valid identity theft report ( which includes the FTC affidavit XXXX, The consumer clearly identifies the fraudulent information, and The consumer requests the block in writing. I have fully complied with these requirements by submitting an identity theft report, supporting documentation, and the necessary written request to block the fraudulent items. I also provided all relevant information identifying the disputed items. I received from Transunion and XXXX an that states that the block I requested was invalid due to some information as payments made on that account although the I was a victim of the id theft and the suspect actively paid off my account and opened more accounts with my information and I had not noticed what was going on for over 4 years until my score dropped. I am not really tech savvy and dont pay attention to such things and never thought I could be a victim of identity theft and under FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency Transunion & XXXX block the information appearing on my credit report, which is the result of identity theft. The fraudulent information includes the Affirm account with an amount of {$680.00}, the XXXX XXXX XXXX XXXX account with an amount of {$4300.00}, and the XXXX XXXX  account with an amount of {$6800.00}. Additionally, a second XXXX XXXX  account under account number XXXX with an amount of {$10000.00} is also fraudulent.

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 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I received an offer for an Indigo credit card from Concora Credit and accepted it. When I received the first bill, there was an unauthorized {$170.00} charge that was listed as an inital credit card fee. I did NOT agree to this fee and immediately contacted the company on XX/XX/scrub>XXXX XXXX XXXX upon receiving the bill. The bill also does not have my correct name listed. I informed the company that I would never have opened the credit card if I was aware of this fee. They indicated that they have no record of my signature for this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
On XX/XX/year> I called the Verve XXXX to close the account because of late fees ( inaccurate late fees and astronomical interest on purchases on the card ) They did not close the card and were not willing to discuss a payoff amount without interest and additional charges. This is considered predatory lending and fraudulent based on the information I have. As of yesterday, XX/XX/year> they finally closed the card but charges have been additionally placed on this card that are inaccurate - in order for us to come to payout agreement I want those charges removed. I will dispute the payment on the card until this occurs.

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 2024-09-18 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: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Denied Claim for Unauthorized Credit Card Transactions and Failure to Resolve Issue Despite Police Report and Multiple Communications Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Phone Number : XXXX Email : XXXX Account Number : XXXX Type of Account : Credit Card Claim Number : XXXX Date of Incident : XX/XX/year> and XX/XX/year> I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding SoFis refusal to resolve a claim for unauthorized credit card transactions on my account**, despite my multiple efforts to dispute the charges through SoFi and the filing of a police report. 


On XX/XX/year> discovered several unauthorized transactions on my SoFi credit card account totaling {$800.00}. I immediately reported these fraudulent charges to SoFis customer service and followed up by filing a police report. I have attached a copy of the police report for your reference. 

Despite my prompt reporting of the fraudulent activity, SoFi has failed to issue a credit for the stolen funds. Furthermore, I contacted their Merchant Management Team to resolve the issue directly but received no proper communication or resolution. 


As per the Fair Credit Billing Act ( FCBA ), consumers are not liable for unauthorized charges on their accounts, and credit card issuers are required to investigate and resolve such disputes within a reasonable time. SoFi has not complied with this regulation, as my claim has been denied despite the clear evidence that the transactions were unauthorized and a police report was filed. 

After disputing the unauthorized transactions with SoFi through formal written notice and direct communication with their Merchant Management Team, SoFi denied my claim without providing a valid reason. I have received no proper follow-up or explanation for their decision, and I remain without the stolen funds. SoFis lack of communication and failure to resolve this matter have caused me undue financial stress. 

Date of Unauthorized Transactions : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Amount of Unauthorized Transactions : {$62.00} {$110.00} {$110.00} {$230.00} {$44.00} {$240.00} I reported the fraud to SoFis customer service on XX/XX/year>, filed a formal police report on XX/XX/year> and sent a written dispute under the FCBA on XX/XX/year>. Despite these efforts, my claim was unjustly denied, and no resolution has been provided. 

SoFis refusal to properly credit my account for the unauthorized charges has left me in financial distress, as I am still responsible for the fraudulent charges that I did not authorize. This situation is especially frustrating given the legal protections afforded to consumers under the FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: CT

Complaint narrative:
Please remove all fraudulent accounts and hard inquiries from my credit profile from XXXX Equifax and XXXX XXXX immediately. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
on XX/XX/XXXX, I was home alone with my credit card. I received a text from Capital One saying they declined a purchase at XXXX XXXX for {$3000.00} and asked if it was me. I texted back " XXXX '' and Capital replied by instructing me to report the fraud. My card was in my purse, and I was not shopping with it. I logged into my Captial one account and saw that there was another charge pending from XXXX XXXX for {$750.00}. I reported this charge as fraud as well. Capital One opened an investigation, deactivate my card, and issued a new one. XXXX minutes later, I get another text from Capital One telling me use this pass code to complete my purchase. I called Capital One and they assured me that the card was deactivated and detailed a list of purchases that where decline on my card that day. I check on XXXX and the {$750.00} was removed. I checked again on XX/XX/XXXX and the {$750.00} was charged back to my account. Apparently, their investigation determined that it was charged to my card, and because my card was in my purse, I'm responsible for it. Capital One notified me that there was fraud occurring on my account, and now they are charging me {$750.00} for being a victim of that same fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Magnus Title Agency, LLC

Complaint narrative:
We sold our house. The Escrow agent mistakenly paid our taxes again. We complained and they got back half of the money, but said they couldn't get the other half of the money. No explanation. The total amount they paid was {$1500.00} and I got half of it back. 
We emailed back and forth for a couple of days about why no further action on their part. They still haven't responded with any intelligent reasons, only that XXXX XXXX XXXX Department won't return the second half of the money. No reason given.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-18 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: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief