vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been fighting back and forth with the three major credit bureaus Experian, XXXX, and XXXX as well as the companies. I have sent in information to them showing I was a victim of identity theft and used other names that are not my full correct name. I have also asked these agencies and companies for verification that the information was actually accurate. According to 1006.34 notice for validation of debts they had 5 days to respond with any kind of validation and they have failed to do so multiple times. So since they are in violation they need to remove them off of my credit 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 explanation
Consumer complaint received 2024-01-23 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: NY

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2024-01-23 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: NY

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
End of 2019 unfortunately I was suffering with XXXX XXXX and XXXX so i was forced to turn in resign job. I had personal loan of credit with wells Fargo less than XXXX remaining to pay which i used for home remodeling. Since i was out of job my boyfriend then offer to make monthly payment. Then i Was offerd 0 % intrest from XXXXXXXX XXXX  to pay remaining XXXX from wells Fargo and other bills i had. Then Covid hit all over the world and my Wells Fargo Bill went up to XXXX XXXX  back by the shopping i never did and the payment of i dont know what ... Time to time wells fargo leaves message saying suspicious activity to all of our account meaning my XXXX children XXXX was under XXXX at the time. I spent enermous hours of my time on the phone with wells Fargo and went to their sites one infront of FBI Building and XXXX XXXX XXXX XXXX XXXX crying asking for help to resolved this situation but no luck. XXXX as well i went to site wearing mask during Covid to find out if the money was sent to wells Fargo. I went through XXXX XXXX XXXX XXXX XXXX XXXX  during Covid but between this XXXX bank i was smashed with XXXX  and worst. over 3 years i was paying to wells Fargo and XXXX with help of my then boyfriend and Daughter. Now both of this XXXX bank dont have answer who got my loan. they blame on each other and the amount i owe them always goes up by ruinining my credit.Please help. I bank with Wells Fargo over 20 years and i felt stupid not by closing my account when i saw a huge sign at XXXX XXXX VA of WELLS FARGO IS A RIP OFF i still bank with them and open both of my underage kids account. Then they always making mistake by giving my daughter money from my account and various many mistakes. They claimed i still owe them XXXX more but XXXX and Wells Fargo both should refund me my all the money they messed up. 
Thank you-

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 2024-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Wilshire Consumer Credit Account Number XXXX On XX/XX/2024 I filled a complaint since Wilshire wrongfully repossessed my vehicles due to no payments which the payments were sent. please see the attach where they're giving false information in regarding the loan to affect me financially,.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 ( Original Creditor : XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 ( Original Creditor : XXXX XXXX XXXX  ) XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I want you to send me the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have consistently raised objections to this matter on numerous occasions, and the institution has previously notified us about their system being breached and our personal information being compromised through official letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: CA

Complaint narrative:
I have been disputing this account since XX/XX/2023 and the Credit Bureau keeps sending it back as verified when in fact it is not verifiable the name and information that is on the contract do not belong to me. I was able to retrieve the contract through the CFPB and the information on the contract is not mine but the bureau and said it was verified which impossible because its not my information. I also was questioning the reporting history and payment status on my credit profile that I pointed out to the bureaus that is in violation because it say the account was sold to collections and charged off but still reporting as open and reporting late payments on my credit report.I mailed out to the bureaus a FTC report and a dispute letter exercising my rights also the contract and a copy of the communication between me and XXXX XXXX and the CFPB which in that communication was XXXX XXXX saying that the credit Bureaus are the ones that put the information on my credit report. 
I mailed them all the documents and requested for them to delete and block the company XXXX XXXX but instead they sent the information back to the company for them to verify again, and I have zero confidence that the company will be honest because they have already violated my consumer rights and verified a unverifiable account even after I provided them a copy of the contract that don't have my information listed on it and I added my FTC report along with supporting documents as well and they said my FTC report is incomplete which is false. XXXX has already deleted the fraudulent account from my profile and I am having a hard time for Equifax and XXXX to follow the law. 
15 Us code 1681c ( 2 ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in an alleged identity theft not later than 4 days of receipt.

It has been 30 days and you are in violation of this Law because I am a victim of identity theft. 
I also was affected the Equifax Data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a XXXX XXXX XXXX Saying, " I'm calling in regards of a complaint scheduled to be filed out of XXXX XXXX ( MN ... never lived there ). If you have any questions or concern will be available to receive signed documents to your residence on XXXX XXXX XXXX ( again this is a client of mine XXXX XXXX XXXX XXXX located in MN ) you need to contact office immediately at tel # XXXX with case number XXXX. Speak with you today or they may move forward and make decision without your participation or consent you have been notified '' I spent over XXXX hours on the phone first with XXXX that called getting no real info & them telling me they only had limited info. told me it was a debt from XXXX with Citibank for {$1400.00}. I explained I never did biz with Citibank and they were ignorant saying if I wanted info I had to get served and go to court for info. The said they were with attorney XXXX XXXX XXXX in XXXX XXXX. I called there they were unaware of anything. I called Citibank ( XXXX the long tome on phone ) and they had no record of me. 

I'm concerned because the original collector has my SS # and my address and I am afraid of some type of 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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Bread Financial Holdings , Inc. XXXX Comenity Bank routinely fails to timely apply payments to credit card accounts and/or claims to have never received physical checks timely submitted and/or actually loses physical checks timely submitted. ( I have experienced four instances of this behavior since XX/XX/XXXX and this is my second complaint to CFPB about Comenity 's practices ). 

I have begun sending payments to Comenity by certified mail in order to retain proof of timely payment. 

The latest failure by Comenity is this. I received a billing statement on XX/XX/XXXX. I sent a physical check by certified mail on XX/XX/XXXX. USPS confirmed timely delivery on XX/XX/XXXX. Payment was not due until XX/XX/XXXX. I checked Comenity 's online record system on XX/XX/XXXX and discovered that Comenity had not applied the payment. Nor had the check cleared my bank. I called Comenity Customer Service on XX/XX/XXXX and " XXXX '' attempted to blame the USPS for slow delivery service. Once I pointed out I had proof of timely delivery, XXXX agreed to process a complaint. 

It is a scam for Comenity to continually blame the USPS when it is their internal processes that are to blame for its failure to timely apply payments to accounts. An investigation into Comenity is needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding a payment plan issue that has significantly impacted my credit standing. I believe the practices followed by XXXX XXXX XXXX in setting up and managing this plan are unethical and irresponsible. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions. Furthermore, under 15 USC 166b, a creditor may not treat a payment on a credit card as late for any purpose. 

In 2023 during a XXXX XXXX, I enrolled in a payment plan offered through the XXXX XXXX XXXX app. Unfortunately, the app failed to adequately inform me that to avoid late payments being reported to credit bureaus, I needed to pay XXXX months in advance. Despite XXXX XXXX XXXX automatically deducting monthly payments from my bank account on time, my credit report was adversely affected due to the lack of upfront information. 

Upon discovering this discrepancy, I contacted XXXX XXXX XXXX multiple times to seek assistance. Each time, I was assured that the issue would be rectified. However, the problem persisted, and no resolution was provided. Furthermore, I did not receive any letters or communications explaining the terms of the payment plan and the potential impact on my credit. 

I find it unethical and irresponsible for XXXX XXXX XXXX to establish a payment plan through an app without transparently disclosing the requirement to pay XXXX months in advance, thus jeopardizing my credit during a challenging financial period. An option to pay in advance, which I could have afforded, was not provided, nor were there any clear disclaimers during the enrollment process. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly. I seek the following resolutions : Immediate Correction : Rectify the reporting discrepancies on my credit report caused by this payment plan. 
Transparency : Ensure that XXXX XXXX XXXX provides clear and transparent information regarding the terms and potential credit impact of any future payment plans. 
Communication : XXXX XXXX XXXX XXXX to communicate the terms of payment plans explicitly to customers, including any potential consequences on their credit. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and thorough investigation into this complaint. 

Sincerely, 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 2024-01-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
At this point I feel like Im not being acknowledged as a human being and Im truly disappointed in the company effort to help my needs. Im beginning to understand that XXXX XXXX XXXX is misrepresenting this debt and how its being presented to me because Im not getting what Im asking for which is a copy of the contract which I have yet to receive. Reason being Ive been apart of multiple data breaches in the past and i understand that complies must follow the Fair credit act and FDCPA and XXXX XXXX XXXX is violating my rights under 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions And plenty more can you please help to make sure they follow the rules.

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 2024-01-23 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I am the victim of ID theft, and filed an FTC ( XXXX ) Report, XXXX Police ( XXXX ) report XXXX XXXX police report ( XXXX ) and XXXX affidavits under oath XX/XX/XXXX - XX/XX/XXXX. Several Accounts have been opened in my name and charges made not by me. I filed a claim for relief under the the fraud and Id restoration services offered by my memberships to my XXXX and XXXX XXXX XXXX ( claim XXXX ). I have been supplied a diligent restoration support agent under XXXX XXXX XXXX XXXX whom is the silver lining of support. Unfortunately there are still XXXX accounts being reportedly negatively due to ID theft. I've supplied all the necessary evidence in dispute of the specific information due to fraud/larceny. The information was changed only to add new unverified, inaccurate and incomplete recordings. The enclosed file provide accurate and detailed information on this complaint. Thanks for facilitating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
XX/XX/XXXX and XXXX, 2023 I opened XXXX XXXX cds with TD Bank. 
At maturity I wanted to close them and have funds go to my bank account. There was no way to do this online. I received an email telling me there is a 10 day grace period and could go in person or call to make changes. 

I called during the grace period and was told I had to go in person to make any changes, I no longer live in a market served by TD Bank and am currently out of the country for the winter. They said I could get a notarized letter but the details on how to close in this manner were vague and no one knew exactly how to go about it ( just send a notarized letter ). 

I will not be able to get a notarized letter in time to prevent the renewal, they said they already renewed ( although I am still in the grace period so I don't know why that is the case ). I am still trying to get complete details on how to prevent another renewal by getting a notarized letter when I am back in the US. 

No where on the TD website does it say you must go to a branch to make changes or close your CD. It simply states you will have 10 days to do so. The email they send about maturity states the following ( copied directly and shown in attached documents ). 

Knowing I do not live near a TD Bank I never would have opened these CDs if I had to close them in person. 

You have two options : 1.

Explore different CD rates or terms. Visit your nearest TD Bank or call us at XXXX to choose the option thats right for you. We're here to help by phone Monday through Friday from XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX. 

Do nothing. Your CD will automatically renew into another CD with the same term length. However, the rate you receive may not take advantage of the best rates available and may be lower than your current CDs rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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