vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: FL

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 explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : GEORGIA XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/year> my wife XXXX and i attended a wyndham resorts timeshre info meeting. At that time we were told such innacurate information that we were led to believe purchasing a wyndham express club membership was a good fit for us. They did not lie outright, but they piece together information for various contract types which when put together is certainly a lie. We recieved a wyndham rewards credit card which we expressly DECLINED our consent for multiple times throughout the process. The box is unchecked on our purchase agreement for the credit card and we were given no information about a card. We are in the process of financing a medical expense and now this wyndham card has hurt my credit due to me closing immediately upon my knowledge of it being opened. I am reporting this fraudulent and unlawful activity for a credit card being opened without our consent and for the poor business acumen wyndham timeshare has in their sales techniques. We were given totally incorrect verbal information and the contract did not include the thousands of dollars of fees wyndham has. We requested a recission of our contract on XX/XX/XXXX within the lawful 10 day recission period TN has. We were told on XX/XX/year> by a wyndham call center employee in the finance office that our recission email was received and they were required to wait 30 days before processing it. Once processed our account at XXXX XXXX  would be paid by wyndham and closed, the remaining balance would be gone. And i specifically requested all 3rd party memberships and contact be closed and no longer.

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 2024-03-14 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: TX

Complaint narrative:
The details listed on these papers are not mine. Please correct all details as soon as possible.

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 2024-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: AZ

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

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 2024-03-14 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: PA

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 XXXX 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 explanation
Consumer complaint received 2024-03-14 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
The report stated the info is correct according to Navient. I am part of the XXXX XXXX XXXX class action lawsuit. There was a hard deadline of XX/XX/2024, for my loans to be discharged, refund sent, and credit scrubbed. Unfortunately, the missed the deadline and I still have not had my loans discharged, sent a refund or had my credit cleaned up. I have called both Navient and XXXX and been given the run around. They both blame each other, and in the meantime I was denied a car loan due to this negative info on my credit report due to Navient not being held accountable to the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: CA

Complaint narrative:
I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being.

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 2024-03-14 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: TX

Complaint narrative:
It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.

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 2024-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Please note that I have been a Citi gold client for decades prior to this. On XX/XX/XXXX, Citibank advised me, via a letter, that all my bank and investment accounts were being cancelled. No reason was given and subsequent phone calls either went unanswered or to an employee that could provide no information. I also went to my bank branch and dealt with my client services manager who told me that this has been a " wholesale purging '' of clients and that it was way above the bank 's ability to intervene or gain information on this dilemma. Within days, I responded to XXXX XXXX XXXX, who initiated transfer of my assets regarding savings, checking and my multiple investments. Citibank actually had the gall to charge me for these forced transfers ( {$75.00} each ). I left for an overseas vacation shortly after XXXX XXXX XXXX, returning on XX/XX/XXXX. Shortly thereafter, I was advised, via letter, that my XXXX credit cards with Citibank have also been cancelled. Please note, once again, no reason was given, despite my meticulous record of payments for years with them. In their short notice, I was told I may write to receive a specific statement of reasons why my account was closed. Furthermore, {$77.00} in earned Dividend dollars and XXXX in THANK YOU points ( value {$260.00} ) will not be returned to me. My third Citibank card, an L.L. Bean Mastercard, despite being cancelled, offered 30 days to use my points ( XXXX {$0.00} XXXX ). As instructed, I immediately sent a letter to the Citibank address on these letters. I received three responses this week, each saying practically nothing regarding reasons or answering why they were keeping a total of {$340.00} of money that I earned on the two above mentioned cards. I violated no terms on either of these credit cards.

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 2024-03-14 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: CarMax, Inc.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : CARMAX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: AL

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 explanation
Consumer complaint received 2024-03-14 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: MD

Complaint narrative:
I XXXX XXXX XXXX IS A VICTIM OF IDENTITY THEFT AND HAVE FRAUDULENT CREDIT CARDS, COLLECTIONS, HARD INQUIRIES PLEASE THESE ARE RUINED MY LIFE CANT GET CERTAIN JOBS OR OBTAIN CREDIT BECAUSE OF THIS FRAUDULENT AND SCAMMER WHO USING MY IDENTIFICATION EQUIFAX WILL NOT HELP ME XXXX XXXX XXXX Account Number : XXXX COLLECTION XXXX XXXX XXXX Reported : XXXX XXXX, XXXX HARD INQUIRIES XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : 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 2024-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I have spoken to MOHELA several times over the last month ; I was given an income recertification date of XXXX and I submitted my income information. My new payment amount was approved. My account was subsequently put into a forbearance ( XXXX ), one that I did not ask for or need ; this forbearance means that I have one less month of payment that will go towards PSLF ( I am currently two years away from the ten years ). According to XXXX, anyone whose income was recertified in XXXX and had their payment go up will have their payment lowered until the extension for recertification in XXXX. I have spoken to two agents this week, both of whom could not help me remove the forbearance and didn't know anything about the Department of Education extension on income recertification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any knowledge concerning them, and the company proceeded without my consent

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 2024-03-14 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: PA

Complaint narrative:
FCRA 605B mandates the removal of any inaccurate accounts from my credit report, if I'm not mistaken. Can you review the documents, please? There are inaccuracies in some of the listed accounts, and it's unsettling for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I noticed that my cut off time to pay bill is XXXX XXXX EASTERN time. I live in Central time zone NOT eastern so why is my bill stating eastern business times? i also noticed that the cut off time is XXXX XXXX however, it states that is for mail in payments specifically. I NEVER mail in payments nor is a time given on my statement for any other means of making payments. This is probably why my credit limit was decreased and why i got late payments fees. This is an unethical way of doing business. How are these types of companies allowed to do business in this manner? This has also been reflected on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
I received this card from NJ department of XXXX for my maternity leave. The bank provider of this debit card is Money Network located in po box XXXX, XXXX, XXXX XXXX. I was using the card to receive my benefits. It was a debit card with a XXXX dollar daily withdrawal limit within a XXXX hour period of time. I can not withdraw more than XXXX dollars within a XXXX hour period unless I transfer the money via the bank mobile application. 

On XX/XX/2024 at XXXX am there was an unauthorized withdrawal made from my account at XXXX am. This was a fraudulent transaction made, and money network should not even have allowed it to be processed since I had already withdrawn XXXX dollars on XX/XX/2024 at XXXX pm. 

Upon seeing this transaction I immediately called to request a new card and file a fraud claim as it is not possible for me to exceed a withdrawal of XXXX / XXXX hour period. When speaking with money network they even confirmed that there is a daily limit of XXXX on my card. My claim was initially denied, and I have been calling every week for nearly XXXX  months now with no progress on processing my claim. 

Every time I call they give me new instructions- telling me to fax a new form or mail the paperwork which I have done many times already. This bank has a serious security flaw, and history of fraud with their debit cards. 

I would like assistance with completing my claim and receiving my {$500.00} as not only was this a fraud transaction but this was also a complete failure by the bank to adhere to their account daily limits and security promises. Furthermore they failed to process the claim in a timely manner causing me emotional hardship while I am caring for my newborn child. 

Please let me know if you require any additional information and I will happily provide. Thank you for your help in investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: PA

Complaint narrative:
TransUnion has failed to remove account that are fraudulent I have send Police report and they have not complied with the fair credit acc. 
Account are as fallow 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