vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-08-02 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: VA

Complaint narrative:
I have paid a total of {$1400.00} towards my student loans on MOHELA. Only {$1000.00} has been processed by them, and they claim to have somehow lost all my payment history. With the transition to MOHELA 's new platform website, they have failed to transfer any of my payment history over. I have attached the bank statements, as well as the MOHELA loan summary below proving my payments. 

Now, I have been in contact with them multiple times over the last XXXX  months trying to get them to resolve this issue, but I have been met with the most unhelpful, rude, relaxed customer service I've ever seen. The agents on the phone claim it will be resolved in the next 10 business days, but I have been waiting for XXXX  months! It sucks that I have to keep hounding them for something as simple as {$400.00}, but this is what I have to do if I'm ever going to pay off the rest of this loan. Keep in mind, my interest rate is climbing higher each month as I wait to hear a response from them. It's amazing these fools got chosen to handle student loans by the federal government! What a failure of a company! 

As a note, I would like to share that thousands of users on XXXX  have the same issue as I am. A quick XXXX search confirms this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year> I ended a subscription via XXXX XXXX with XXXX. However, XXXX continues to deduct funds from my account $ XXXX. 

On the XXXX website - consumers are directed to XXXX XXXX to end subscriptions and my subscription status states I unsubscribed XX/XX/XXXX. It also directs you to Apples refund policy, yet an unsubscribed account has a {$0.00} balance so refunds are not possible. 

XXXX takes no responsibility for the unauthorized charges or refund requests, yet they continue to disregard my attempts verify that I have a closed account and return funds that have illegally obtained. 

My bank - Huntington has investigated the account and I have received a credit for {$9.00} once and they made it clear they can not prevent further deductions. 

I have also emailed XXXX several times to complain and received no response. My only recourse is to close my account after several years of satisfied service due to the continued fraud. 

Your assistance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received an e-mail on XX/XX/2024 stating that on XX/XX/2024 someone tried opening credit under my personal Chase Bank checking account. I called Chase Bank on XX/XX/2024 stating that whomever tried opening the credit was not myself. In the e-mail it stated that this attempt failed because I have my credit on freeze. The Chase Bank employee stated it will be considered as fraud attempt and it will not count against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have a Wells Fargo Furnishings credit card that I used to purchase furniture from XXXX in XX/XX/year>. I purchased a bed frame, dresser and mattress. The mattress was on a 60 month 0 % APR promo. The bed frame and dresser were on a 12 months 0 % APR. These items werent delivered until XXXX which is when the payments began. I was advised by XXXX to make the minimum payment shown online to avoid being charged interest. This is what I did. This is what I have been doing for over a year. I planned to go purchase more furniture from XXXX yesterday and logged into my Wells Fargo account to check my credit availability and saw I was charged {$460.00} in interest on XX/XX/XXXX. I was blindsided by this because Ive been paying what the app tells me to. I called WF yesterday and spoke with an agent who told me that because the balance for the dresser and frame werent paid in full within 12 months, interest was charged on the ENTIRE balance from the purchase date, including for the mattress I still have 48 months 0 % APR on! How is this legal? How can you charge interest on an item that is still interest free for 48 months? If I owe interest on the dresser and bed frame because I was given incorrect information on what amount to pay, then I will pay it even though I dont agree with it. But the interest should ONLY be for the two items that the 0 % APR promo has expired on. The agent said he agreed with me but didnt have the authority to remove the charge so I spoke with the next level of support, I have no idea if this was a supervisor. I explained the situation again and this man just would not even remotely attempt to help. He advised that XXXX passes the information on to the customer the way they understand it and he couldnt help if they told me incorrectly on the amount to pay. He advised that legally they have to provide a minimum payment amount but it doesnt always align with 0 % APR promos even though XXXX told me to make the minimum payment. He advised they make every effort to let the customer know their promo is ending by putting it on the statements. I told him I do not receive a statement. I dont receive one in the mail or via email. He told me repeatedly that I do receive paperless statements THEN later advised that actually, I dont receive paperless statements, WF offers a courtesy notification that the statement is ready online. So if their courtesy notification doesnt go through, youre just screwed. He said he could not assist with the interest charge but this feels like it should be illegal. Again, how can you charge interest on an item that still has 48 months 0 % interest on it? This needs to be edited to charge interest on ONLY the two items that the 12 month promo ended.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Wells Fargo and CFPB, I am writing to escalate the ongoing issue concerning my Wells Fargo account ending in XXXX. Despite my previous attempts to resolve this matter, a satisfactory solution has yet to be provided. Therefore, I am seeking your immediate assistance to facilitate the release of the suspended funds. 

Background : XXXX checks totaling {$14000.00} were deposited into my account via mobile deposit. The checks were legitimate, and due to the time elapsed since their deposit, the physical checks no longer exist. I only possess paper copies of these checks. Despite multiple attempts by the check writer to claim the checks, their bank, XXXX XXXX XXXX, has refused to accommodate these requests, citing a time frame issue. 

Issue : Wells Fargo closed my account and is demanding the physical checks to release the funds. As the checks were destroyed post-deposit, I am unable to provide them. The ongoing suspension of these funds has created significant financial hardship. 

Request : Given the circumstances, I request the following actions from Wells Fargo : 1. Accept the paper copies of the deposited checks as valid documentation to facilitate the release of the suspended funds.

2. Explore any alternative legal avenues to retrieve the funds, considering the unavailability of the original checks.

3. Provide a clear and immediate resolution to release the funds, as the prolonged suspension is causing undue financial strain. 

Conclusion : Time is of the essence, and a swift resolution is crucial. I appreciate your immediate attention to this matter and look forward to a prompt and satisfactory response. If there are any additional details or actions required from my side, please inform me at your earliest convenience. 

Thank you for your understanding and cooperation. 

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 2024-08-02 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: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-02 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am a victim of ID theft and LVNV will not remove this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
I keep getting text messages about a person I know and is not my debt debt collector tells me hes going to call the cops to my house and pulled info regarding my house and car I told him this is the wrong number and keeps harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

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 2024-08-02 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: GA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX LAST NAME : XXXX XXXX NSS : XXXX SECURITY FREEZE

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 2024-08-02 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: MD

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX / Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: MD

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX  Account Number : XXXX XXXX XXXX Experian / 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