vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: FL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2024-01-17 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: TX

Complaint narrative:
I am a victim of the Equifax data breach and have Included proof. Please delete unauthorized accounts I have Identified on my credit reports Immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : 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 2024-01-17 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: IL

Complaint narrative:
I am writing to bring to your attention serious concerns regarding inaccuracies in my credit report, as reported by Equifax, XXXX, and XXXX. It has come to my attention that these credit reporting agencies are in violation of 15 USC 1681 and 15 USC 1666b by incorrectly reporting late payments from XXXX XXXX  XXXX, XXXX XXXX, and XXXX on my credit profile. 

Additionally, there is an entry from XXXX XXXX that does not belong to me, and I am requesting its immediate removal from my credit report. I believe this inaccurate information is not only damaging to my creditworthiness but also a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I request the removal of any inquiries that are not attached to open accounts. My personal information was compromised in the Equifax data breach, and as a result, I am concerned about the potential misuse of my credit information. Removing unauthorized inquiries will help protect my credit profile from any further harm. 

I have previously written to XXXX regarding certain discrepancies in my credit report, and to date, I have not received any response. As per the FCRA, it is my understanding that prompt attention and resolution are required in such matters. I request that XXXX address and rectify the issues raised in my communication promptly and ensure the necessary corrections are made to my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure compliance with the relevant statutes. The inaccurate reporting by these credit bureaus, the inclusion of unauthorized inquiries, and the lack of response from XXXX have adversely affected my financial standing, and I am seeking resolution to rectify these issues promptly. 

Enclosed with this letter, please find copies of the relevant sections of my credit reports highlighting the inaccuracies and unauthorized inquiries in question. I believe that a comprehensive review of the provided documentation will support my claims and prompt the necessary corrective actions. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will work diligently to rectify these credit reporting errors. Please inform me of any steps taken and the resolution reached. 

Thank you for your prompt assistance in this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, FINRA, SIPC and UCC rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX  number is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud.

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 2024-01-17 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: First Advantage LNS Inc.
State: NC

Complaint narrative:
The company asked for the notice I turned in to the office before turning in my keys and signing for my mail to be forwarded XXXX  notice XX/XX/2022 and was completely moved out XX/XX/2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
The incident occurred on XX/XX/year> at approximately XXXX PM at the XXXX XXXX XXXX terminal in XXXX. On the way home from work, three individuals approached me on the subway - XXXX males, XXXX female. They asked me to donate to their high school basketball team, so I took my phone out to Zelle them a small donation. However, one of them grabbed my phone from my hand as I was making the transaction. I tried reaching out to get my phone back, but he kept avoiding me. By the time I had gotten my phone, the group got off the subway. I checked my bank account and the group had transferred {$2000.00} to his account. I never meant to Zelle {$2000.00} to this group, only a small donation. If I had known they would snatch my phone away from me, I never would have engaged with them. 

The next day, I contacted XXXX and filed an incident report. In addition, I contacted Zelle for the scam but they told me to contact my bank as there was nothing they could do. I contacted my bank ( XXXXXXXX XXXX ) and filed a report. I was notified today ( XX/XX/year> ) that my bank could not refund the money. Both Zelle and my bank are refusing to refund the money so I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: IN

Complaint narrative:
Transunion has been reporting XXXX XXXX XXXX collections balance incorrectly. XX/XX/XXXX - XX/XX/2023 reported XXXX XXXX XXXX XXXX as CLOSED then started reporting again. XX/XX/2023 Transunion sent me a letter stating my balance as past due {$360.00} but the original balance is {$360.00}.

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 2024-01-17 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have three difficulties with Synchrony Bank. I signed up for a loan for a mattress. I was told it was to be a zero percent loan as long as payments were made on time. All payments were made on time except one payment which was less than 1 month late. I sent in the late fee so that the fee would not alter the loan agreement. After a couple of years of automatic payments I thought the loan should have been paid so I contacted Synchrony to inquire and found that the loan had been changed to an interest rate of 29.99 %. 1-Synchrony didn't contact me 45 days in advance of this interest change as they should have per California law . 2- I asked Synchrony for the amount I'd paid so far and they refuse to inform me. They did send me paper statements but these do not show payments. XXXX I found some random miscellaneous charges on my statements which I can't make sense of. Perhaps the collection of these random charges are what put my loan past the zero percent interest period.

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 2024-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/XXXX, I called Mohela and learned my account was on forbearance until XXXX XX/XX/2023. I was asked if I wanted a refund of the payment I made on XX/XX/XXXX, and I opted to have my payment amount applied to my XXXX statement. When I checked my account XX/XX/XXXX. I saw my payment hadn't been applied. The issue was escalated and I was told to wait XXXX business days for the issue to be corrected. It's now XX/XX/XXXX, the day before my due date and there's been no change to my account. 

Furthermore, account notices are not current. When I log in I see that my Account Alerts show that my account is still being updated. Note says to allow up to 30 days for updates, but there's no start date to indicate when the 30 days started.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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:
This complaint is in regards to a creditor, i.e. 
XXXX XXXXXXXX XXXX, placing unauthorized inquiries upon my credit profile. I have been trying to reach resolve for over eight months, to no avail. I have sent letters demanding that they furnish proof and remove it, only to receive a generic response ( see attachment containing correspondence ). I will mention that, despite sending multiple letters, I only received a response from the company on one occasion-which was several months ago. I also contacted the three major credit reporting agencies, to which they responded that the information will remain on my credit profile-even after I demanded they furnish proof-without either actually furnishing proof within the requested timeframe ( see attachments dated XX/XX/2023 to bureaus ). I will also supply correspondence from the investigation results from credit reporting agencies. They are attempting to allow inaccurate information to remain on my credit, going against my rights to fair and accurate reporting. Please 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 2024-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL

Complaint narrative:
The car lot I originally purchased my vehicle from ( XXXX XXXX XXXX ) is permanently closed. I purchase a vehicle and upon leaving the lot my driver side front tire fell off from the entire frame. The car was improperly inspected before selling. I ended up spending {$4000.00} a year later to replace the frame again after waiting 2 weeks to even drive the vehicle. The sales person was fired immediately. The licenses were all expired displayed inside of XXXX XXXX XXXX. I was then scammed into a bank called Start Auto Finance. The bank is very unprofessional and has been charging me miscellaneous fees since Ive gotten my car 4 years ago. I was originally told to put down {$4000.00} for the car. They called me back 30 days later stating that I needed to bring {$2000.00} more dollars or return then car and they will deduct from my original {$4000.00} deposit for the days I drove around. I didnt want to let my car go so I paid the {$2000.00} not knowing that XXXX XXXX had received my application and also approved me for a lower down payment. Since then Start Auto Finance has been breaking all kinds of laws with contacting and threatening me. This company needs to be investigated. They have made calls to my references with intentions to embarrass me because I pay my car payment late. They contact my references before reaching out to me. I made a down payment of too much money and also paid a lot and still owe the exact same balance as when I signed my first loan documents. They have illegally repossessed my vehicle in the past and also charged me personal fees for retrieving my vehicle because the tow man required me to pay him for getting up on a Sunday. Please investigate them as Im an now going with a lawyer to remove this company from my past. I have been stuck in this car trying to pay it off for years they adjust my loan too many times and call from number outs spam numbers telling me to remove my personal belongs when my car isnt up for repossession.

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 2024-01-17 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: IN

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2024-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: NY

Complaint narrative:
MOHELA incorrectly billed me for {$410.00} while my account was in administrative forbearance while they processed my IDR request. I first called on XX/XX/XXXX and spoke to a representative named XXXX. She assured me that the payment listed on the account was not in face due and the payment amount will automatically adjust " soon ''. After a month of waiting, I received a notice from the Department of Education that MOHELA had reported a missed payment to them. I called again on or about XX/XX/XXXX and spoke to a representative named XXXX who transferred me to a representative named XXXX. I informed her about my previous discussion and she took a similar line as to what I was previously told ; that the computer system is updating and the charge will be removed " soon ''. She further assured me that the late payment will not be reported to a credit agency. Today XX/XX/XXXX I have received an email from MOHELA demanding that I pay the amount that their phone representatives tell me is not due. I want a real assurance that this payment is not due and I want MOHELA held accountable for their inept and frankly predatory practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
I had some negative items on my credit report that I needed to remove, so I decided to use the services of Lexington Law. While I appreciated their efforts to clean up my credit report, I encountered issues with their subscription model. Initially, I signed up for their {$99.00} per month plan, but I found out later that additional charges were added to my bill that I wasn't aware of. As a result, I had to pay more than I expected, and it caused some frustration on my end. I am planning to file a complaint with Lexington Law to request a reimbursement for the additional charges that were added to my account without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/XXXX, a security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant XXXX  3-603 and XXXX  3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant XXXX  3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, FINRA, XXXX and XXXX rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX number is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: TX

Complaint narrative:
I'm demanding documentation proving of the 30 day late payment reporting on my credit report for XXXX XXXX. This account was closed in XXXX I have never been late on any payment and this was added in error. MY credit report shows exceptional in no late payments except this error. I demand this is removed. The document Transunion provided just stated they weren't removing the error.

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 2024-01-17 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: NY

Complaint narrative:
I have been back and forth with XXXX and equifax on these inquiries I have not apply at these places and all the want to do is sell me a service I need the following removed from my report. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX Please I have been at this for sometime. And this can't be factual data if it's not facts I never applied at these places.

Company response to consumer: Closed with explanation