vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: ID

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Good morning, I went into the Regions Bank branch on XX/XX/year>, and asked for a withdraw of {$4000.00}, out of my checking account in the form of a cashiers check. The bank proceeded with withdraw, and the cashiers check. I deposited the check into my XXXX account. 

Three weeks later I receive call from my XXXX XXXX XXXX XXXX, and brother wanting to know why I had withdrawn approximately {$4000.00} out of her account. Upon further research the teller had withdrawn out of my Mothers instead of mine. I am not signer on my XXXX account. They are linked, because Im a POD. There is no reason that it should have been withdrawn from my XXXX account, as I am not on the account. Now my family wonders why this happened, and maybe they wonder if I was trying to fraud my XXXX out of money, because of her age. I called the bank teller ( XXXX ) and branch manager ( XXXX XXXX ) and they clearly admitted this was a mistake on the part of the bank, and that they see how it happened, because the accounts were linked. I asked the bank to do three things to clear up my name. 

1. The teller call my XXXX explaining it was their error. 

2. A call from the bank regional manager ( XXXX XXXX ) to me, and an apology. I have left countless documented messages for him over the course of several weeks. No return call has been made. 

3. Letter from executive services to my XXXX explaining that this was a problem of the banks, and exonerating me. This is important as my Mother is hard of hearing. 

XXXX ( teller ) did call my XXXX, but she is hard of hearing and only heard part of the correspondence. That is why I wanted a letter to go out to her as well. Plus my siblings could also see the letter to know that is was not me who made this error. I need to be exonerated!! 

To date, no Regional Manage ( XXXX XXXX ) has called, nor executive services. I have asked multiple people, only numerous document occasions. I have yet to hear from executive services, after weeks of asking. They state there is an email chain, but nothing has happened. 

This has caused undue harm to myself and my XXXX, two different account holders. The longer this goes, the worse it gets. My Mother is very anxious and upset and at XXXX this could affect her health. I do not understand the banks slow response to resolve.

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 2024-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have tried to stop TEXT messages from Citi SEVERAL times now but they keep texting me Alerts which I have clearly switched off in their online system. I also signed up for alerts on the credit card which DO NOT work. I do not want to receive balance info daily and their system keeps sending me TEXTS which is a violation of TCPA.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was called by an individual who claimed to be a representative of bank of america. we were told that someone had stolen our account information and attempted a XXXX transfer. they stated they worked in the XXXX department and was walking us through steps to secure the account, ultimately they walked us through a trap that caused a erroneous XXXX transfer of {$380.00} to a XXXX XXXX. After questioning the individual I was hung up on. when I called BOA they stated scammers were using their numbers to scam people and that theyd open an investigation. then they told me I wouldnt get my funds back and that chase bank would be contacted to question said scammer regarding the funds they received which is outrageous because what person would admit to scamming and impersonating a bank? so I never received my money back

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 2024-12-20 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: GA

Complaint narrative:
I have been XXXX XXXX XXXX and I haven't XXXX XXXX XXXX. I have always used XXXX XXXX XXXX. This issue is affecting my credit score. I need this issue fixed.

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 2024-12-20 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: GA

Complaint narrative:
I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have always XXXX XXXX XXXX XXXX This issue is affecting my credit score. I need this issue fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have always XXXX XXXX XXXX XXXX. This issue is affecting my credit score. I need this issue fixed.

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 2024-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I refinanced my mtg this past XXXX. At the same time I changed banks and got a new checking account number. I made XXXX XXXXXXXX payment on line with the new bank info and everything was fine. In XXXX I made the XX/XX/XXXX payment and it picked up the old account number and rejected. I called Rocket mortgage and explained error and they deleted the old account number for future and I keyed new info and made payment. Now they are charging {$20.00} fee for my error and will not refund it. I have been XXXX Rocket mtg for years. I, m XXXXXXXX XXXX XXXX  and they should have given the option to delete old account number when I updated the new account number.i hope you can help me with this issue. ..Rocket Mortgage # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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:
These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year> {$300.00} was sent via PayPal and was fraudulently withdrawn via a XXXX  conversion. My Bank put a stop payment on the transaction to PayPal but the money was withdrawn anyhow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was stunned to find out that my credit report includes accounts that dont belong to me. These errors are damaging my credit score and causing me unnecessary stress.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made several attempts writing the consumer reporting agency about numerous errors being reported on my report. 
SEE ATTACHMENT

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
You are in violation of the law! 

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently Navient is knowingly making false and misleading statements about my student loan debt. 

As per the XXXX Emergency Relief and Student Loan guidance from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. XXXX ) and invocation of the Higher Education Relief Opportunities for Students Act of XXXX ( HEROES Act ). Based on these acts the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for XXXX XXXX XXXX XXXX ( XXXX ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the XXXX voluntary payments required for individuals to rehabilitate their defaulted loans. 
Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for XXXX were waived. 
A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the XXXX plan maximum repayment XXXX for any months in which they were in repayment status and for specified periods of deferment or forbearance. 

My Navient student loans were owned by the XXXX XXXX XXXX ( proven by the XXXX XXXX XXXX XXXX approval ). As per court order ( CFPB vs Navient XXXX ) Navient has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. Navient is no longer responding to my verification requests. 

Navient is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. 

As per CARES Act and HEROS Act any and all Navient late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have several accounts with Navy federal for business and personal use. I have had several incidents regarding fraud and they never seems to do a accurate investigation. I honestly believe I was messaging with XXXX. I not to long ago received new debit cards and weeks later my account were popping up with so many unauthorized charges. I reached out to Navy federal and filed dispute for the two separate accounts. I did receive a provisional credit to both accounts and 2 days later it was reversed back out of my account. I called Navy federal back to speak with a representative who stated it was nothing she could do and advised me to file a appeal. I filed a appeal and was barely getting a response, I was also told there wasn't a live person I can speak with regarding the matter. I also explained to the representative the charges that were un-authorized were some companies I did business with in the past and since receiving my new debit cards that I never gave them my new card numbers and was very, very concerned in how they have my new information. The representative went on to say that XXXX has updated there system and as a courtesy to customers whom have bill pay, XXXX automatically updated new new information. This comment had me very confused and frustrated as I explained to the representative that customers should be aware of this action and that i didnt have auto payment through my accounts. I then advised her to cancel my new cards and send new ones as the representative and also said she can put a alert on my accounts to NOT share my new card info on the database. This is very alarming as well as the time frame of my so called investigation the the dispute cases I have filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: LA

Complaint narrative:
I, XXXX XXXX has only XXXX name which is XXXX XXXX, I am not known for any other names, I also only have XXXX address that is attached to my name and that is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I also only have XXXX job that should be on my credit report and that is XXXX XXXX, I am unaware of any other jobs that has been reported on my report, as well as any other addresses so I would like for them to be removed 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 non-monetary relief
Consumer complaint received 2024-12-20 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: LA

Complaint narrative:
I, XXXX XXXX has only one name which is XXXX XXXX, I am not known for any other names, I also only have XXXX address that is attached to my name and that is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I also only have XXXX job that should be on my credit report and that is XXXX XXXX, I am unaware of any other jobs that has been reported on my report, as well as any other addresses so I would like for them to be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that the credit bureaus conduct a thorough investigation and promptly correct these inaccuracies. These errors are affecting my credit profile and could impact my ability to secure credit, housing, and employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that the credit bureaus conduct a thorough investigation and promptly correct these inaccuracies. These errors are affecting my credit profile and could impact my ability to secure credit, housing, and employment.

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