vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: NJ

Complaint narrative:
I have made several attempts to resolve issues on my credit report, however, Equifax continues to ignore my disputes and is not responding to my investigation requests. I initially filed a dispute with Equifax on XX/XX/2023 via fax to challenge errors on my credit report. Specifically, an account with XXXX XXXX XXXX, a XXXXr XXXX XXXX, and personal information. Equifax responded to this dispute on XX/XX/2023 verifying the accuracy of the XXXX XXXX XXXX account and XXXX XXXX XXXX 

I sent follow up disputes to Equifax via fax on XX/XX/2023, XX/XX/2023, and XX/XX/2023, and finally, via USPS mail on XX/XX/2023. To date, I have not received any responses from Equifax regarding my disputes. It is my understanding bureaus are legally required to respond to disputes within 30 days of receiving them, otherwise, they must correct or remove the disputed information, as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: CT

Complaint narrative:
I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately XXXX XXXX XXXX  - XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect XXXX XXXX XXXX  - Incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: AK

Complaint narrative:
Experian is falsely reporting an account in my name that had been determined opened in error along with the corresponding invoice inquiry. 

XX/XX/2023 I had called the XXXX XXXX XXXX XXXX XXXX department and it was determined this account was not mine and it was opened in error. I have written documentation from the company stating this. They ( XXXX XXXX ) also state that they will request all XXXX bureaus to remove account of XXXX XXXX and inquiry. 


XXXX and XXXX removed the account and inquiries almost XXXX weeks ago. I received notification XX/XX/XXXX that Experian placed the account on my report and kept the inquiry as well. 

I want this removed!!!! We are supposed to be closing on a home in two weeks. If the false reporting messes our closing up I am taking legal action.

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 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$20000.00} Items reporting inaccurate as a result of identity fraud Ive sent in all requested documents to support my claim and to have all inaccurate items blocked and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: OH

Complaint narrative:
First and foremost, I have no inclination as to who this company is and/or who they are attempting to collect for. I have not received any notifications via US mail regarding any debt I'm behind on, and can verify I'm not behind on any debts I have. This company will need to reach out via US mail, as my address has been the same since 2014, in order to verify who they are, what the debt is for, amount owed, and the date of original default. TrueAccord is the company in question. 

They've texted me repeatedly and I've responded 'STOP ' on multiple occasions. Unfortunately, they continue to text.

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 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXXXXXX {$1500.00} This item is reporting inaccurate on my report and needs to be blocked and removed immediately Ive spoken with several associates in the fraud department and no one can prove or verify and accounts belonging to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Az ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I checked my credit report and noticed the company had pulled my report. I never authorized this company to check my credit. I have never heard of the company. It was done XXXX XXXX, 2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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:
I checked my credit report and noticed the company had pulled my report. I never authorized this company to check my credit. I have never heard of the company. It was done XXXX XXXX, 2022 2022

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 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discovery XXXX {$1500.00} This item is reporting inaccurate on my report and needs to be blocked and removed immediately Ive spoken with several associates in the fraud department and no one can prove or verify and accounts belonging to me. 

Discovery- ( XXXX ) XXXX-Fraud Department XXXX XXXX Az ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These late payments are a defamation of my character are therefore INACCURATE and your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Clearly, exclusion means something that is not supposed to be included. The law states that transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately. Furthermore, you have also violated the Truth In Lending Act, more specifically, 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens Bank has refused to close my savings accounts for over a year. In XX/XX/2022, I visited my local branch to close XXXX savings accounts ( XXXX and XXXX ). The bankers there told me that my accounts would be closed, but they did not close the accounts. They also refused to terminate the recurring ACH schedule and refused to instruct me on how to do it myself. I explicitly told them I revoke their permission to pull further ACH transactions from me. 

Almost a full year later I found that Citizens has been executing ACH transactions to these savings accounts without my permission for the entire time. At this time I decided to call them to clear up the issue. Throughout a total of 4 calls to customer service, Citizens continued their deceptive practices, making various claims : I. Refusal to close the accounts with ( my ) funds still in them II. Refusal to close the accounts " today '' ( call back tomorrow ) III. On the 5th and final call, I threatened to submit a CFPB complaint. They put me on hold, I heard the call center manager say " Just hang up on him '', then they hung up on me and again did not close the savings accounts. 

At this point in time, I believe they will absolutely not comply with account closure unless they are forced to do so by a banking regulator.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit Union XXXXXXXX XXXX, {$20000.00} Items reporting inaccurate as a result of identity fraud Ive sent in all requested documents to support my claim and to have all inaccurate items blocked and removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX {$1700.00} Inaccurate balance and history reporting on credit account this item does not belong to me and I request to have this inaccurate item blocked and removed immediately from all credit reporting agencies

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 2023-11-27 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: AZ

Complaint narrative:
To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 
1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
8. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: NM

Complaint narrative:
I am on PSLF program. I was placed on forbearance. I never asked to be placed in forbearance. It was done without my knowledge. 

I have twice requested to be taken off forbearance by phone. Twice no action taken and I am still in forbearance. I have missed one month of payment and thus 1 month has been added to how long I am with PSLF. 

Mohela is not taking me off forbearance. 

Mohela is not responding to my emails. 

Please help as this is now costing me time. 

Thank you : )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: IL

Complaint narrative:
I do not recognize these hard inquiries, they appear to be fraudulent, the names of these inquires are : 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 non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
They don't protect your account they allow companies to take out unauthorized charges when it will put your account into the negative and charges very high inconsistent overdraft fees and they take benefits away

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WEICHERT FINANCIAL SERVICES
State: NJ

Complaint narrative:
My mortgage company is Weichert Financial. 
I have Homeowner Insurance with XXXX. I have Home Mortgage with Weichert Financial Services. 
Every year Weichert put to my bill Hazard Insurance. Without any agreement. 
After I call to XXXX - XXXX faxed to Weichert the Home Insurance Declaration Page to prove my Homeowner Insurance. Usually, after the charge eliminated from my Weichert bill.

This year Weichert does the same - put Hazard Insurance {$1200.00} to my bill. 
I call to my XXXX agent to work with this problem. 
XXXX send to Weichert the Declaration Page- no result from Weichert.

I called to Weichert.

I spoke with Weichert specialist at XX/XX/23 at XXXX XXXX  - to cancel the charge for home insurance from Weichert because I pay for home insurance to XXXX. 
No result. 
That means for me - I am paying TWO insurances for same property..

Please, help me. 
Weichert must stop charging me for Hazard Insurance, because I have home Insurance from 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 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/, I filed a travel cancellation/interruption claim for {$450.00} with respect to my Chase Sapphire Reserve credit card. In confirmation, Chase card benefit services assigned claim number XXXX. We had to cancel a bed and breakfast reservation in XXXX on XX/XX/ outside of the permitted cancellation window of the establishment because of XXXX for my XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I contemporaneously uploaded and submitted supporting documentation at the time I submitted the claim. 
I received no further communication from Chase. On the website my claim remained in " pending '' status. On or about XXXX XXXX XXXX I called Chase to inquire of the status. I spoke with XXXX XXXX XXXX who indicated he was in a call center in the XXXX. He indicated I would receive a written communication the next day from Chase describing further documentation I would need to submit in support of the claim. I received no such communication, and the website does not appear to describe any such further necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: IL

Complaint narrative:
I keep getting charged fee's for using local ATMs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: CT

Complaint narrative:
I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately 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 non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2023 at approximately XXXX I received a call from a phone number that I recognized as my bank. I answered the phone and they informed me that my account was being flagged for suspicious activity and needed to verify transactions. It ended up being a scammer and they gained access to my account which they used to make XXXX fraudulent transactions in less than an hr for a total of {$2900.00}. They included an {$800.00} XXXX to themselves as well as XXXX consecutive transactions at a XXXX in XXXX, XXXX where they got {$100.00} cash back on every transaction. I live in NC and was at my residence at the time of the fraud. I filed police reports with XXXX different jurisdictions. I initially filed in the county that I live in and then they said that since the crime happened in Massachusetts, they had to forward it to Massachusetts and so I have reports from XXXX different police agencies, confirming that it is indeed fraud. With photos of the individual. I submitted this information to Chime and they denied my claim in less than XXXX hours.The same individual also got my wife for XXXX transactions at the very same XXXX and Chime investigated her transactions for a month and ended up finding that they were fraudulent, and they gave her her money back. Same scammer, same XXXX, and around the same time. But she had significantly less money that they could get. But my claim has been denied in less than XXXX hours every time. And this most recent time it was denied in about XXXX hours, and I provided both police reports with the photographs and all the evidence that they had. There were no security, features enabled, I got no alerts, I had no idea my money was even missing until the next morning. Chime did absolutely nothing to protect my money and now theyre refusing to give it back. Despite overwhelming evidence of fraud provided by XXXX different police departments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 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: NC

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-11-27 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: Nelnet, Inc.
State: PA

Complaint narrative:
My account is set up for auto-payments monthly. The website states there are up to two day delays in auto-withdrawal for student loan payments. In my dashboard, there is no information about my XXXX withdrawal. It's as if it does not exist. The money has not been withdrawn from my account, though the website says my loans are in good standing and I have no payments due until XXXX. The accrued interest on the accounts has also not gone away with the alleged XXXX payment. 

Further, the website is useless and not user friendly. Customer support is needed for any changes to the account or payment plans, yet the customer service line on average has wait times of 30 minutes to 2 hours.

Company response to consumer: Closed with explanation