vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I
have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: VA

Complaint narrative:
I have been asking Experian for months why they lowered my FICO score from XXXX to XXXX. They won't explain why they lowered it.

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 2024-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).

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 2024-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX requested pay and representative provided current balance that included interest that has not accrued. The representative would repeat the XXXX interest rate and state it is what I signed up for. I have already paid XXXX, XXXX on a XXXX, XXXX loan. I am not understanding why I am paying for interest that has not accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I have XXXX children who are both enrolled full time in college. XXXX is in her XXXX  year and the other is in his XXXX  year. I apply for a Parent Plus loan every semester with deferment. I was assigned to Aidvantage as my servicer. Even though I am not yet at the end of deferment, I have already had XXXX major problems that have caused me many hours of work to get Aidvantage to fix them. XXXX, Aidvantage reported to my credit that I did not pay my loan payments on time even though my children were in deferment and I had not been issued a bill. That took me several months to get them to correct their error. Secondly, I received a bill just recently for repayment when my children are both still in deferment. Aidvantage is difficult to work with, hard to reach a person with any ability to help and is prone to error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had multiple fraudulent charges on my credit card, Informed the credit card company it has been multiple months now with no updates. They keep telling me to wait I informed them about this issue multiple months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I had a Kia that was stolen and thats another issue, bottom line, Kia put a charge off on my account saying account closed and that the balance due was {$3500.00}. I paid Kia {$3500.00}. I waited XXXX  days for my credit report to reflect that information as the person on the phone who took the payment said it would be. It wasnt. I then opened a dispute with XXXX, the response from Kia was to change the balance due from what it has said for the past XXXX months to a year ( {$3500.00} ) to suddenly becoming $ XXXX. I have never had XXXX statement from these people and this entire issue stems from the car being recovered but Kia not informing me and then the car was auctioned off! 

I have taken a huge hit on my credit and everytime I try to pay the balance or fix they make it worse hitting my credit even more. How can you add on thousands of dollars to a balance due after the balance due for months was stated and paid in full?

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 2024-09-30 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:
Good day, My credit is very important to me, and I am seriously worried about the incorrect information on my credit report. These errors are causing ongoing stress and hindering my ability to get approved for new 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 non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
I have been trying to log into MOHELA for months since about XXXX of 2024, first, my loan was transferred but the same company still owned it before the transfer I was able to log in and see my information now that the transfer has occurred I am not able to access my account at all. I have tried to login with my information from the previous site however it says my information is not in the system. So, I try to create a new account since the beginning of XXXX of 2024 and every time I try to make a new account it tells me there's an error and to try again later. Well, I have received a letter in the mail stating that after XX/XX/year> they will send the loans to a debt collector and it will go in to delinquent or something of that nature and I still haven't been able to log in and pay on the loan or try and defer the loan ( s ). I am complain because I have been calling and haven't got any answers to my questions, I have been given the run around on who to contact and how to contact them and today is the XXXX of XXXX so I am not sure if the loans will be sent to debt collectors or what will happen with that since I can't and haven't got in contact with someone who can help me or knows how to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXXPaid off the balance in full over the phone ; I have never been able to logon after the XXXX time. 
XXXXReceived statement w/balance of {$60.00} ; it also show a charge that was not mine. 
XXXXSpoke w/XXXX  to dispute the charge ; she said that the Resolution Dept would help me and then. XXXX, XXXX, in Resolution Dept removed the fraud charges sent me a new card. I asked her about the new balance and pretended to transfer me to customer service but instead hung up on me. It was already to late to call back. 
XXXXRecieved statement w/balance of {$67.00} that included a {$30.00} late fee and {$1.00} Interest XXXX-I called to Waive the {$30.00} late fee and interest, and was denied. I paid the {$67.00} balance in full. 
XXXXReceived statement w/balance of {$1.00} Interest on interest and fees. 

It is not enough that they me an enormous amount of interest but want to pay amounts on the fraud that is committed. These people are the ones who are committing fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I suspected fraudulent practice with Hotelbookings.com ( expedia ). I called Citibank within XXXX minutes, I followed their advice, subsequently I was billed for a transaction where no services or product was exchanged. Citibank reversed it's decision and favored the merchant. 
This a copy of my last letter to Citibank XX/XX/year> Dispute claim : D XXXX Hotelbookings claim of no valid cancellation, their was no reservation to be canceled.. 
When I suspected a fraudulent practice, I called Citibank card services and explained my concern. Citibank informed me that no transaction went to the XXXX XXXX and that I should make my own reservation. 
I verified by calling the resort myself and was told no reservation were made. 
{ can be verified by calling the XXXX @ XXXX I spoke to XXXX and XXXX } Now Citibank is reversing their decision and I am being penalized for following Citibanks advice, I would hope I do not have to contact the bureau of consumer financial protection. 
* Remember no services or goods were rendered by the merchant * The alleged transaction was with a unauthorized person * Hotel bookings claimed that their was no way to correct the dates * no e-mail was ever sent to my address ( 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 monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-30 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: NY

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I called Citizens bank who holds my mortgage to make a payment. My account is currently 59 days past due so I wanted to make a payment today to avoid it going over 60 days and reporting to my credit bureau reports 60 days late. I spoke with XXXX different people and they would not take my payment because I could not tell them or commit to a second payment. I requested to speak to a supervisor and the representative told me the supervisor would tell me the same thing. When the supervisor came on the line she had no idea who I was or what I needed. Also the online system is setup to not take a payment from me since im due for XXXX months. Now i have to mail a payment to them which will put me over the 60 days. They just want my account to go over 60 days so they can foreclose on it. This is abusive in every way. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX XXXX 
XXXX, TX XXXX Account : XXXX Date open : XXXX XXXX, 2022 Amount charge off : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Disputing error [ s ] on credit report Dear Experian I am writing to request a deletion of the following information that appears on my consumer report. XXXX XXXX XXXX  XXXX I am a victim of identity theft. The information listed above, which appears on my credit report, its the result of aggravated identity theft on the dealership behalf. 

15 U.S.C. 1681 Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information ( XXXX ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law. 

Taking my personal information, obtaining a loan amount higher than what I expect and having a form I'm unaware of is a violation of the GrammLeachBliley Act. 

The GLBA applies to auto dealers because they often engage in financial transactions, such as : Extending credit, Arranging financing or leasing, and Giving financial advice.

The GLBA 's requirements include Prohibiting the use of forged, counterfeit, lost, or fraudulently obtained documents to obtain customer 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 2024-09-30 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: TX

Complaint narrative:
I reviewed my credit report and found several billing discrepancies. These late payments do not align with my usual payment pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Ally Financial for multiple violations related to their handling of my auto loan while I was on XXXX XXXX. Ally Financial repossessed my vehicle while I was on active-duty military service without obtaining a court order, as required under 50 U.S. Code 3952 of the SCRA. This law specifically protects servicemembers from repossession without a courts approval during XXXX XXXX. By bypassing the court process, Ally Financial has violated my rights as a servicemember. Ally Financial failed to follow the correct procedures under the XXXX when repossessing my vehicle. Specifically : The repossession was conducted without proper notice of default and without giving me an opportunity to cure the default before the vehicle was taken. Additionally, there was no effort to conduct the sale of the repossessed vehicle in a commercially reasonable manner, as required by XXXX Article XXXX. This breach of procedure has directly caused me financial harm. Ally Financial engaged in unfair practices by repossession without a present right to do so, in violation of 15 U.S. Code 1692f ( 6 ). Their actions amount to unconscionable means of debt collection, as they had no legal right to repossess the vehicle without a court order while I was protected under the SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2024-09-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief