vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
The debt collection agency identified themselves as, Harris & Harris Debt Collection called me from an unknown number, I did not answer. The lady leaving the message identified herself as XXXX, she stated " I am an independent courier, who will be delivering me with certified documents which are attached to my name and social security number. I am scheduled to arrive at your current residence or place of employment tomorrow XX/XX/XXXX between the hours of XXXX and XXXX. If I am unable to reach you at these locations, it will be documented as a direct refusal to sign and the proceedings will continue without you. If you have any further questions, concerns or if you would like to reschedule prior to my arrival, please contact filing parties office directly at XXXX, refer to your file number XXXX. You have officially been notified, unless I receive a stop order, I'll be out tomorrow afternoon, so please plan accordingly. Thank you. 

I then called the number, referenced the file number provided, the guy said it is in reference to a payday loan from XXXX XXXX from XXXX. I told him that I have never taken out or applied for a payday loan and even if I had, an XXXX XXXX XXXX debt from XXXX is way past the 7 year statue of limitations for trying to collect on an unpaid debt. I would like to see the original loan application. He then stated, " receive the documents and take it up in court then '', which he then hung up on the phone. 

I previously setup and worked for a debt collection agency in XXXX, so I am familiar with the unethical practices these debt collection agencies use to work their paper. This company was by far, very unprofessional in providing me with the information regarding this bogus loan, or providing me with anything other than a threatening phone call to embarrass me at my home or place of employment by serving me with legal documents that I am being sued. I was taking care of my mother who had XXXX  XXXX XXXX and passed away in XXXX, so I was not even working at that time to get a payday advance loan so I am 100 % certain that this is an unauthorized debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I was XXXX from XX/XX/XXXX till XX/XX/XXXX, during this time I hired someone to dispute a late payment on my credit report. When I contacted the individual ( XXXX XXXX of XXXXXXXX XXXX XXXX ) he asked for my information to my XXXX account, XXXX account, and XXXX account so he could get an assessment of my credit report while not pulling my actual report. After I provided the above information he/the company somehow attained my credit card account numbers for my NFCU Visa Platinum credit card as well as my XXXX Platinum credit card and charged the cards {$15000.00} for my NFCU Platinum credit card and {$10000.00} for my XXXX Platinum credit card. These charges were processed in XXXX XXXX, and neither company was willing to refund the charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I do not have any contract with this company and they are alleging I have a debt with them and have violated my right in consumer law to illegally collect this debt I am victim of identity theft somebody stole my personal personal identity and used it to obtain rental leases and other accounts I reported the fraud with police report ftc report to companies to then have the companies assign Me to a person who never answers the phone or follows back up knowing these accounts are fraudlent and do not belong to me. I had the accounts removed from XXXX credit agencies only for them to go to XXXX and report these fraudlent accounts I have tried everything to talk to somebody about me being a victim of identity but they purposely ignore me and try to report items to credit file after deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: CO

Complaint narrative:
I have reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for. The consumer reporting agencies have an assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint in or on the dates of XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks, please see the screen shot attached. Please note that this is for 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 2024-05-08 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
Improper use of my credit report. XX/XX/XXXX and XX/XX/XXXX these two collections were added to my credit report. They have been reported improper information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Attempted to purchase from multiple online retailers and was denied every single time. Gift card balance is {$500.00} but can not be used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-05-08 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 XXXX has opened and closed an account on my credit that is not mines please have them remove the whole account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I paid the Apple card in full. Then I went back and paid the interest ( {$5.00} ). There is no balance, this account should report as paid in full. The credit report is not updated. 

The XXXX XXXX XXXX XXXX is missing a {$500.00} payment. It has not posted to the account. This should also be updated on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased an item over XXXX years ago. The promotion was no interest accrued for 24 months and any balance left would be charged at an interest rate of the stated range ( I believe XXXX to XXXX ). I asked the staff for confirmation and they confirmed that there was no interest charge until after the promotion ended, then the interest would accrue. 

XXXX. I was charged the full amount for the purchased price with interest accrued for the full XXXX period. 
XXXX. When I called XXXX to dispute the charge, they said I had to call CITI Bank. I tried to call CITI for months until I got a hold of someone, just to tell me they don't hold any of my info or accounts, it all ran through Best Buy. 
XXXX. I had been trying to call CITI but when I finally got to them they said I didn't exist XXXX. When I finally got to the department associated with the accounts, they said its to late to do anything.

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 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am re-opening a closed business account with Bank of America. 

I made an appointment on line to open the account. 

XXXX XXXX called me to confirm the appointment. She called on a very disconnected line with static, causing hearing difficulties. 

She asked the name of business and what type of business I have. 

I specifically stated a nonprofit corporation. She then reiterated what I stated and told me to bring in my incorporation ( state documents ) and XXXX. 

I responded with thank you. I would like to have a copy of the recording of this call as well. 

When I got to the bank with my the documents requested by XXXX XXXX, she then stated that because I have a corporation, I now need to provide minutes. We already had a phone conversation, in which I let her know that I am a corporation and on that call, she never mentioned minutes as a document I need to bring in. 

She was rude, condescending, and very aggressive. 

I asked to speak to someone else and was advised she is the only one who can help me. I asked for another appointment and she refused.

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 2024-05-08 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 am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inacurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with XXXX  XXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticty. 

As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable prof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 

Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 

In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my 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 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
XXXX XXXXXXXX XXXX ATM ID : XXXX at XXXX XXXX XXXX on XX/XX/year> began processing a withdrawal from my Chime account in the amount of {$450.00} plus {$6.00} in out of network ATM fees. The funds were withdrawn from the Chime account. The XXXX XXXXXXXX XXXX ATM dispensed my card and began the process to dispense the cash. I selected the option for the ATM to choose the type of bills for me. The ATM was louder than usual and sounded empty. An error message displayed on the screen indicating that there was an issue dispensing the cash and that the transaction had been canceled. The ATM screen said to note the ATM ID and contact the bank to report the issue. I called XXXX  XXXX XXXX, which I am a customer of. I planned to withdraw the cash from the Chime account and deposit it into my XXXX XXXX XXXX account. Customer service logged the ATM ID and stated that the funds would automatically be reversed in 1 to 2 days. The problem is that the money is need for rent that is due XX/XX/XXXX with no grace period. Chime customer service stated that the reversal my take up to 5 days. XXXX XXXX from XXXX XXXXXXXX XXXX 's Enterprise Resolution department contacted me on XX/XX/XXXX and confirmed that the ATM was having issues at my transaction time and that the transaction was immediately reversed back to Chime. XXXX XXXX advised that Chime should process the reversal. On XX/XX/year>, Chime settled the transaction instead of reversing the withdrawal. XXXX XXXX advised me to file a dispute with Chime and XXXX  XXXX XXXX would provide them with the supporting dispute information once Chime contacted them. I filed a dispute with Chime on the same day and included XXXX contact information. Chime never contacted XXXX XXXX XXXX to confirm the error. Instead, Chime denied my dispute the same day and said I was responsible for the {$450.00}. I opened a rebuttal with Chime under dispute # XXXX, that has not been resolved as of XX/XX/year> and refuses to provide a provisional credit to my account in the amount of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: GA

Complaint narrative:
We have had this same complaint before. Now we see that they have applied another fee billed to mortgager. We called and asked what the fee is for ( {$240.00} ) and again they said it was legal fees. However, they stated that we have to wait 30 days for them to provide us with an explanation. It appears that they are applying legal fees for no reason and expect us to pay the fees with no explanation. This does not make sense to me and my wife. 

When is this going to end? We have been paying the mortgage on time and also paying additional money towards the principle in order to get the house paid off faster. We just feel like they are trying to do any and everything in order to deter us from paying the house off faster. Please help us if you can. This new charge was applied on XXXX. 

The only reason that legal fees were applied before was because of a bankruptcy discharge & XXXX XXXX XXXX. However, those issues have been resolved.

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