vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. I opened a Discover Credit Card Account in the Fall of XXXX. I made my payments ON TIME and never missed a payment and NEVER LATE. Discover told me in XXXX of XXXX, that they wanted my permission to get access to my IRS Tax Files. That if I DID NOT grant them this permission, Discover would CLOSE my Credit Card Account without my permission or consent. I refused to give Discover my permission, and in Retaliation, Discover closed my account in XX/XX/XXXX. I DID NOT Close this account, nor gave Discover permission to do so. I believe that Discover has broken some kind of FEDERAL, STATE, or Consumer Laws with their closing of my account, not to mention that this has caused me PAIN and SUFFERING, Defamation of Character, hurt my credit and credit scores.I wonder what Other credit card companies will think of me as they see this action on-line through all 3 Credit Reporting Agencies ? I've found out that Discover has done this to numerous other people also. What can people like me ( I'm a 68 year ( XX/XX/XXXX ) old retiree and also a XXXX XXXX HONORABLE Veteran ) do about this, and who do we turn to for remedy and to keep GIANTS like Discover from HURTING Responsible people who pay their bills ON TIME and struggle to make ends meet? I recently heard on TV that XXXX XXXX and Discover plan to merge to make them the Biggest credit card company in XXXX for about XXXX XXXX Dollars. Discover isn't hurting at all, in fact they are THRIVING!!! I myself and my wife live on Social Security and other Retirement benefits from month to month to make ends meet. I've also have had to work Part Time and self employed just to get food on the table. What can people like me and others do to keep the XXXX in line? Who is out there to help us all??? Please HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed account 's that where not reporting accurately. I had multiple late payments for account XXXX and XXXX late payment for account XXXX i was in fact paid on time for both of these accounts. The consumer reporting agencies have to report all information with complete accuracy. These accounts have not been late on payments i have attached a copy of my report and proof of their investigation with no statement no copies from creditor showing validation of me being late to this complaint. On XX/XX/2024 I disputed these accounts with no proper investigation when results came back just updated as verified, Experian under FCRA section 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( a ) are in violation and can face major penalty. I'm now requesting you to investigate and provide verifiable proof with records i had late payments for both accounts. If this information can not be validated i demand these payments be updated to paid on time or these accounts be deleted from my credit file immediately, thank you for understanding and prompt 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 2024-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
On XX/XX/2024 I was offered a settlement of 20 % of what I owed ( that is not the same as my credit report ). I paid the {$2100.00} with XXXX  XXXX  but nothing changed, not even the amount or payment on my credit report. Now I have a judgenet against me filed 6 days later stating I owe the whole amount prior to the payment made and it claims I defaulted for failure to appear but I'm not sure what I did not appear to. I have filed a dispute with the credit bureau and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX we called Carrington mortgage company requesting assistance for XX/XX/XXXX payment. Work was slow and we knew we would not have the payment and they told us not to worry about it and we would figure it out. In the following months Carrington mortgage applied all of the payments we made to the previous month keeping us a month behind and destroyed our credit. The " late payments '' were all made by the XXXX of each month within the grace period. I am on a fixed income that I receive by the XXXX of each month and Carrington is aware of this and it has been no issue. We had been approved for a refinance through another company to get Carrington paid in full. Carrington waited until XX/XX/XXXX to report to the credit bureau eliminating our refinance ability. We have now had to go to a debt consolidation firm to try to straighten out our debt. A different representative from Carrington calls us once sometimes twice a week 7 days a week with no help or insight on how to fix the problem. Our payment has went up {$100.00} a month, every year with no explanation as to why. We have been told property taxes but none of my neighbors had a tax increase. We are at the end of our rope on working with them or speaking to someone without kids screaming in the background. We would like to find a solution to the delinquent payment and get the late payments off our credit, we have receipts the show the payments were made by the within the grace period every month. Any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
This company is a third party debt collector and I never done business with this company. Per FCRA as a federally protected consumer I am opting out of any and all authorizations written unwritten verbal and nonverbal per 15 USC 6802 ( B ) ( opt out ) 15 USC 6805 also see 15 USC 1681 5 USC 552 ( a ) 16 CFR 313.7 433.2 433.3 these laws ensure that a consumer rights will not be violated by sharing personal information none disclosed information under 16 CFR 433.3

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 2024-02-26 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: NM

Complaint narrative:
Experian and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.

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 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My power of attorney/Agent sent in an EFT payment to pay off the loan it also included a Power of Attorney. We certified mailed it on XX/XX/24 it was received by TD Auto finance on XX/XX/24. The EFT was accepted and the loan was paid, balance was {$0.00} and the account showed CLOSED on my online account. Then it was all reversed, no explanation, no letter, nothing? My Agent and I called TD they said they did not know why it was reversed. My Agent pushed the issue that they needed to send back the EFT if they would not honor it, and if they did not accept it then refusal was discharge. We were told we would not get the EFT back, but per our contract that would also discharge the loan. They said my Agent needed to call his bank, I responded that we gave clear instructions how to collect and if they did it correctly then Agents Bank had nothing to do with it and a few days later Agent got a copy of bank transactions and it clearly showed they claimed the EFT, possibly twice. TD tried to say they did not close account or zero the balance they could not see what my online account had shown for several days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and fraudulent accounts that need reporting and correction through your company.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A few months ago, my credit cards were charged close to XXXX overseas. I submitted a fraudulent claim and after months of back and forth with Wells Fargo and obtaining a police report, Wells Fargo refused to take this matter seriously. There fraud department did not perform an actual investigation into the charges ( i.e., look up my vendor history, reach out to the vendors to confirm the purchases ) and closed the claim. 

I received correspondence on XX/XX/year> form WF that the claim was closed based on " the EMV Chip was used and currently can not be duplicated. '' I obtained a police report, a third party, confirming that this is an ongoing fraud, however, WF dismissed that information. I'm reopening the case until WF performs an investigation into the fraudulent charges.

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 2024-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
XXXX XXXX loan was in collection from XXXX. 
XXXX XXXX sent my loan to National Credit Adjusters in Kansas. 
NCA sent a notice XX/XX/XXXX which was received by me through USPS. 

E-mails are now received scheduling me for arrest. 

Lender and collection agency are both licensed by state and federal agencies. 
Please begin procedures to revoke all business licenses from XXXX XXXX and National Credit Adjusters. 

NO PAYMENT WILL BE MADE TO XXXX XXXX OR NCA. 

Restitution is now needed for the threat of arrest. 

Cancel all balances with National Credit Adjusters immediately. 
NCA sells customer information to scammers under various names. 
Scammers have all information from NCA and lender files.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX  pulled my credit report on XX/XX/year> without my permission I didn't authorize them to do so. And also on XX/XX/year> truist bank also pulled my credit report without my permission and didn't authorize them to. so someone stoled my identity and I already tried talking to them both to have it removed from my credit report and they said that they couldn't do it and that I had to contact the credit buereas so I did and they said that they couldn't remove them. And I told them that it was a fraudulent inquiry. So I need to have them removed 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was an unauthorized charge to my checking account. Wells Fargo refused to issue credit for the charge saying XXXX calendar days was too long. When I contacted the merchant they did not have an account in the same name. Not sure how Well Fargo would let such a charge go through when there this kind of mismatch in information.

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 2024-02-27 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: NJ

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/year> I was offered a settlement of XXXX XXXX of what I owed ( that is not the same as my credit report ). I paid the {$2100.00} with XXXX XXXX but nothing changed, not even the amount or payment on my credit report. Now I have a judgenet against me filed 6 days later stating I owe the whole amount prior to the payment made and it claims I defaulted for failure to appear but I'm not sure what I did not appear to. I have filed a dispute with the credit bureau and the 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to address a concerning issue regarding the reporting of my credit history by XXXX, one of the major credit reporting agencies. Specifically, I am disputing the late payment reported on my credit card account with Comenity Bank, identified by account number XXXX or XXXX as it appears on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681, it is crucial that credit reporting agencies ensure the accuracy and fairness of the information they report. However, I have observed that Comenity Bank is inaccurately reporting a late payment on my account to XXXX. 

This discrepancy is particularly troubling as the late payment is not reflected on my credit report with XXXX nor XXXX. Per subsection b4 of 15 U.S. Code 1666, which addresses the correction of billing errors, Comenity Bank is obligated to rectify any inaccuracies in reporting to ensure consistency across all credit agency reports.

Additionally, in accordance with 15 U.S. Code 6802, Comenity Bank is required to provide consumers with the option to opt out of certain information reporting, such as late payments on credit reports. However, I have not received an opt-out form from Comenity Bank , as mandated by subsection b of 15 U.S. Code 6802. This failure to provide me with the necessary opt-out information violates my rights as a consumer to manage the disclosure of personal information and operate fairly in commerce.

The inaccurate reporting of this late payment has had significant adverse effects on my financial well-being and ability to engage in various transactions. It has hindered my ability to obtain mortgages and extensions of credit, causing undue stress and hardship for myself and my family.

In light of these violations and the resulting impact on my financial rights, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in Comenity Bank 's reporting. I also request that Comenity Bank be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX  Account.. Has violated my rights. 


1st. 15 U.S.C 1681 section 602 A. State that I have the right to privacy.

2nd. 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 permission without my written instruction 3rd. They have performed and investigation and state that the information in the report is accurate and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX  Account.. Has violated my rights. 


1st. 15 U.S.C 1681 section 602 A. State that I have the right to privacy.

2nd. 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 permission without my written instruction 3rd. They have performed and investigation and state that the information in the report is accurate and it is not.

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 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-02-27 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I started looking to purchase a vehicle back in XXXX XXXX  while I was browsing the inventory, the dealership ( XXXX ) asked me to provide my information, such as social security and address, I intended to purchase a vehicle, and that's why I provided it. They assured me that my credit would not be pulled before we found a suitable vehicle. 
We found a vehicle on XX/XX/2024 and I wanted to go with XXXX XXXX that's why I asked to go only with the XXXX XXXX inquiry, that's the only inquiry that is valid on my report. The vehicle was defective and we ended up returning it the next day. 
XXXX weeks later I saw XXXX hard inquiries on my account for an auto loan, which I did not allow them to do. 

Hard inquiries : TD AUTO FINANCE Inquiry : XX/XX/2024JXXXX XXXX XXXX Inquiry : XX/XX/2024 XXXX XXXX XXXX Inquiry :XX/XX/2024 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2024 XXXX XXXX XXXX Inquiry : XX/XX/2024 XXXX XXXX XXXX Inquiry :XX/XX/2024JXXXX XXXX XXXX Inquiry :XX/XX/2024XXXX XXXX XXXX Inquiry : XX/XX/2024

Company response to consumer: Closed with explanation