vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: MN

Complaint narrative:
I submitted an XXXX payment request through the official XXXX website on XX/XX/2024. The request was intended to make the full payment due on XX/XX/2024 : {$480.00}. As of XX/XX/2024, MOHELA has not posted this payment to my account and customer support representatives can not provide any information as to the missing payment. A MOHELA representative created a research request to find the missing payment on XX/XX/2024. As of XX/XX/2024, no action has been taken on the research request. According to the XXXX website, MOHELA " accepted '' this payment on XX/XX/2024. However, this payment is not reflected on my MOHELA customer portal and the MOHELA representative was not aware of the payment. 

My XXXX payment has been processing for over XXXX weeks and I have no reason to be believe it will be processed in time to make the timely payment tomorrow, XX/XX/2024.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Company Reporting information I have know knowledge of and do not want Reporting to my consumer report I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX I sent them a certified letter on XX/XX/year> requesting that they provide me with the original creditors contract with my signature. I also requested to provide me the original pay history and proof of assignment. They responded back with letter dated XX/XX/year> with their contact with my signature not the original creditor. They also sent their pay history not the original creditor. 
Please assist in getting this information so I can make sure it is accurate. 

My Equifax report is reporting many inaccurate information on many accounts. Please assist in getting this corrected. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America ATM issue : I do all my personal banking with XXXX and have been banking with them for over XXXX  years. So you might understand how disappointed I am that a bank with no brick-and-mortar locations can not make BoA return my money. I'm XXXX this year, on a fixed income and with mounting medical costs and rising prices on everything else, {$180.00} is a lot of money to lose. 

On XX/XX/year>, I used the local Bank of America ATM on XXXX XXXX. in XXXX, MD, to withdraw cash to pay for some services at my house. I've used the same nearby ATM whenever I need to withdraw more than a few dollars. In this case it was {$200.00}. 

In my first attempt to get {$200.00}, I selected {$20.00} denominations but before I could input the the total amount I needed, whoosh! - out came a {$20.00} bill. Thinking I missed something in the transaction selected, I carefully re-entered the transaction requesting {$200.00}. 

But AGAIN?! 

The ATM simply spit out another {$20.00} bill and gave me a receipt showing {$200.00} was deducted including their foreign teller fee of {$3.00}. I'm sure I said bad words at the machine before going inside the bank to ask for help. The tall, attractive African-American woman woman said I'd have to go back and call the number on the machine which I immediately did. The recorded message advised that unless I was a BoA customer, I'd have to resolve this with my own bank. Called XXXX and filed a dispute that same morning. XXXX advanced {$180.00} to my account until the dispute was resolved, and then contacted Bank of America. 

Then on XX/XX/XXXX, more than XXXX month later my bank responded to say BoA claims there was no error, the machine was fine, so on the XXXX of this month {$180.00} would be deducted from my account. I railed against this and XXXX said they'd ask for details. BoA then sent a copy of the same receipt I have along with documents containing data I don't understand. BoA took my money and didn't bother to view the video to see me looking cross! Or maybe they did, but they just don't care. Can someone review the documents and explain to me where it shows exactly {$200.00} was dispensed? Maybe someone after me got a cool {$180.00} ... but it wasn't me. I need my money.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The following is a list of inquiries that were authorized without my consent, using my personal information to open accounts fraudulently. The inquiries in question are - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023 I opened a US Bank Business Checking Account. I received an offer to get {$800.00} from US Bank if I opened the account with promo code XXXX, funded it within 30 days with {$25000.00}, and maintained that {$25000.00} balance for XXXX  days. 

I followed all of the steps to a T. I opened the account and then called to confirm it had the promo code and to get instructions on how to fund the account ( needed assistance navigating their website to transfer money in ). On XXXX I had deposited and had a balance of {$27000.00}. I called US Bank again to confirm the promo code was on the account and see if there was anything else I needed to do, they said it needs to be maintained at XXXX XXXX or more for 60 days. I Called XXXX to see where the {$800.00} Bonus from US Bank was and was lead in multiple different directions from XXXXcall your state farm agent ', to 'i don't see a promo code on the account ', to I see the XXXX code but you didn't follow all the steps. I have US Bank Case number XXXX and got a message that my case is closed and they will not be giving me the sign up bonus on XXXX. I called to reopen and escalate the case but have not heard back. 

I have the original mailer with the sign up bonus, bank statements showing my account balance. I don't know why they are not honoring their sign up bonus and they refuse to help.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans Union is acting in BAD FAITH because it is IGNORING the true sole basis of my dispute by stating account Belongs to You when they verified. My dispute has ABSOLUTELY NOTHING to do with whether this account belongs to me or not. 

XXXX XXXX - # XXXX that I disputed via XXXX on XX/XX/XXXX is based on FCRA 602 which states I have a right to privacy and FCRA 604 ( a ) ( 2 ) which states a Credit Reporting Agency can not furnish an Account without my written instructions.

Additionally, Gramm Leach Blilley Act Section 6802.

This is the sole reason and basis for my dispute and Trans Union has illegally IGNORED it.

I received letter from Trans Union today showing account was verified with XXXX. # XXXX / Date Issued XX/XX/XXXX. 

Trans Union is in clear violation of FCRA 1681 ( s ) ( 2 ) ( B ) which is the most serious violation that I can sue for in a COURT OF LAW due to their BLATANTLY failing to conduct a reasonable investigation, but it would not be the only violation committed by Trans Union that I would seek compensation for.

Additionally, I made a request in advance with my dispute just in case the account was VERIFIED, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( A ) ( 7 ) and my request was IGNORED, because I received NOTHING within the 15 days that the law requires. I requested the name of the persons they spoke with along with their telephone numbers and address. I will also include this violation to collect monetary compensation if I am forced to take Trans Union to court.

I want to forego litigation but will do so if forced. 

I want XXXX XXXX XXXX. 
deleted from my report immediately.

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 2024-03-18 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: Westlake Services, LLC
State: MS

Complaint narrative:
credit score dropped XXXX points i did not authorize these transactions my identifty was sotlen a few months ago and i know this is part of that

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 2024-03-18 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: LEXISNEXIS
State: FL

Complaint narrative:
To Whom It May Concern : I have recently identified that there is negative information reported by " XXXX XXXX XXXX  XXXX '' on my credit reports under my Social Security number. After ordering a copy of my credit report, I see an entry from this court listing 20-19700-PDR with Reference # XXXX filed in XX/XX/2020 The account XXXX with Reference # XXXX filed in XX/XX/2020 with this court appears to be inaccurate. 

Please verify and validate this information with the court and provide me with copies of aLL documentations associated with this account granting you authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  || Account Number : XXXX - XXXX  || Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: CA

Complaint narrative:
Kindly update my account this causing me a lot of stress and anxiety.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX  Account Number : 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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
Hi. For about 6 years I used chime XXXX XXXX as my primary bank account. Just for convenience and personal preference to physical banks. In the 6 years I was with them never had a XXXX taken or money missing. Last year ( XXXX ) my grandpa passed away and left me an inheritance. My grandma dispersed the money to me. Around {$39000.00}. I deposited the funds into my chime bank account. Not knowing the monthly limit was {$25000.00}. Luckily I transferred most of it out to a different bank account I had at the time. However, there was just over XXXX dollars left in the account. On XX/XX/XXXX, my chime account was closed without warning. For the past 2 months I have been calling over and over to be told multiple times that my account was in violation of there terms of service. I was told multiple times in the first several phone calls I made that my money would arrive to me within 30 days of account closure. Once the 30 days had surpassed, I made repeated phone calls asking about my money. I was told every time we are going to escalate your case and a member of chime services will reach out to you which they never did. The last phone call I made to them about a week ago they told me that I will not be refunded my money and that Im basically screwed. Upon further research, chime is technically not a bank but accounts opened through chime are protected by FDIC up to XXXX XXXX dollars. Like I said previously, the money I received was an inheritance. And I can prove it with records and my grandma has further proof of the transfers and can verify everything that I am saying. All my money is legit. At this point I dont even really care about the XXXX XXXX  I would just like to stick one to chime after 6 years of loyalty to be treated like this. So yes, I want my money back. Please help and thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: NC

Complaint narrative:
I did not give consent for these inquiries and strongly believe they are fraudulent. I implore you to conduct a comprehensive investigation and promptly eliminate them from my credit report. Supporting documents have been provided for your perusal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I sent it two payments on XX/XX/year> of {$100.00}. As of today XX/XX/year>, the payments have not applied to my account, they took the payments and they do not show up on my card as credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly eliminate these queries. I lack information on this matter, and the company proceeded without my authorization.

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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Throughout the history of this account, I've consistently made sure payments are on time, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've always been diligent in ensuring prompt payments on this account, avoiding any instances of being overdue. The reasons for the presence of late payment remarks on my accounts are unclear to me. According to 15 USC 1666b - Billing Error, necessary corrections should be implemented.

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 2024-03-18 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: AZ

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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