vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: LA

Complaint narrative:
I'm writing to impart my uneasiness concerning the challenged records on my credit report. On various events, I have raised the issue of slip-ups in these records, and have dependably referenced that they be totally explored. Disregarding my undertakings, I as of now just can't get any objective or helpful action. These mixed up records are truly hurting my credit report and forestalling my ability to continue with a commonplace life. The unfriendly outcomes of these errors have caused huge challenges for me, and I'm left with no choice aside from to contend for your assistance with changing what's going on rapidly. I liberally request that you lead a cautious assessment concerning the specifying of all of these challenged records. It is fundamental that the fundamental advances are taken to revive and address my credit report right away. With your help, I want to restore the precision and uprightness of my credit archive so I could recuperate control over my financial thriving. I really request that you offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue expediently would be gigantically significant. Much gratitude to you early on for your perception and 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 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: IN

Complaint narrative:
XX/XX/year> opened new checking account E*Trade from Morgan Stanley XX/XX/year> deposited 2 checks {$1100.00} and {$1000.00} into New account E*Trade notified via email account features online were not available. Instructed us to call them XX/XX/year> called ETrade representative XXXX, they required proof of identification via their secure portal : Drivers license front back, all four corners, social security card front, back all four corners. Bank statements where we sent the checks from. Also y husbands identification. 
Allow XXXX hours for approval Called back XXXX said 24 hours again to open the online account Iasked for a supervisor to call me back. Never happened. 
XX/XX/year> XXXX said take license on a white background. XXXX XX/XX/year> XXXX XXXX could not help, XXXX took the call. You have not submitted your bank statements. Hold for XXXX minutes. He said you did submit. It will now go for vetting. 
XX/XX/XXXX not yet vetted send your licenses again. Hold for XXXX minutes. We found the licenses. We need XXXX hours to approve. I asked can the funds be returned via ACH. Response was certainly. 
XX/XX/year> XXXX XXXX We can send funds back via a check. Call back in XXXX hours XX/XX/year> XXXX could not see my accounts transferred me to XXXX send us XXXX  with drivers license XX/XX/year> send us LOI via portal for check to be issued from your checking and savings because your license is a copy from the internet! Re sent docs again via portal No resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-12 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: NV

Complaint narrative:
I XXXX XXXX am writing in regards to complaint on inquires : Certified credit rep dated XXXX, XXXX XXXX XXXX date XXXX, XXXX XXXX Financial date XXXX that was Unauthorized not done me. XXXX XXXX XXXX Account XXXX This account is reporting as a negative account and is hurting my credit score. According F.C.R.A section it is illegal to report information on my credit report without my permission. Please remove from my credit report immediately. XXXX XXXX XXXX account XXXX This account reports multiple late payments and XXXXw 15. u.s code 6802 and it states that no financial institution can share a nonpublic information with a third party entity. These items are hurting my credit score please immediately remove items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NV

Complaint narrative:
I XXXX XXXX am writing in regards to complaint on inquires : Certified credit rep dated XXXX, XXXX XXXX XXXX date XXXX, XXXX XXXXXXXX XXXX  date XXXX that was Unauthorized not done me. XXXX XXXX XXXX Account XXXX This account is reporting as a negative account and is hurting my credit score. According F.C.R.A section it is illegal to report information on my credit report without my permission. Please remove from my credit report immediately. XXXX XXXX XXXX account XXXX This account reports multiple late payments and Law 15. u.s code 6802 and it states that no financial institution can share a nonpublic information with a third party entity. These items are hurting my credit score please immediately remove items.

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 2024-08-13 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: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-08-12 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I filed a XXXX XXXX bankruptcy around XXXX. My home was financed through Wells Fargo Home Mortgage. I lived in the manufactured home from XXXX through XXXX. I wanted to re-affirm my loan to continue payments, but Wells Fargo refused to let me do that. I moved out of the home in XXXX because of black mold that had come through the crawl space of my bedroom closet. I had several clothes and shoes that were ruined with mold and a terrible stench. The home that was sold to me in XXXX was a modular home. I would like to be compensated {$24000.00}.

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 explanation
Consumer complaint received 2024-08-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Secured Loan Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Credit card Account name XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX A Secured card Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Secured loan Account name XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Account name XXXX XXXX Account number XXXX Date XXXX XX/XX/XXXX A Account name XXXX BANK Account number XXXX Date opened XX/XX/XXXX A Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX OFFICE XXXX XXXX APT XXXX XXXX TX XXXX A Inquiries XXXX BANK Inquired XXXX XX/XX/XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections, late payments and accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulentitems. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-08-12 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-08-12 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: TX

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Good afternoon cfpb XXXX lost my credit XX/XX/year> I called people from XXXX to letting them know they never responded and I left message from them after XXXX years they try to agains me by debt collection I dont nothing about this money {$4900.00} and I dont know XXXX XXXX and I never spoke to anyone about this

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 2024-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
My son initially entered into a 36-month lease agreement with Honda Financial Services , and I cosigned the lease. The lease was subsequently extended to a total of 42 months. Throughout the entirety of the lease, payments were made faithfully, either early or on-time, via autopay. As my son was exploring options to buy out the vehicle, he requested two 3-month extensions to the lease. 

On the final payment, the autopay service was turned off without any prior warning. We were informed that the auto-payment series was canceled via an outbound automated phone call once the payment was 26 days late. Upon learning this, we immediately contacted customer service and scheduled a payment, reading my bank account number to the representative. Despite this, the payment never cleared my bank account. I believe the representative may have transposed digits of my bank account or otherwise incorrectly entered the account number. 

The final payoff check was delivered to Honda Financial Services the following day. However, Honda Financial Services did not post the payment for an additional 15 days, resulting in two 30-day late payments being reported on my credit report. The mishandling of the final payment by Honda Financial Services has unjustly impacted my credit report, reflecting these late payments and adversely affecting not only my credit score and overall financial standing, but also my sons.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
To Whom It XXXX Concern, My name is XXXX XXXX, and I am filing this complaint regarding the mishandling of my accounts by Citi Bank. My first case number with XXXX XXXX is : XXXX and the specialist name from the XXXX team is XXXX XXXX with extension XXXX. 

On XX/XX/year>, I began experiencing issues accessing my online banking services, receiving error messages indicating system delays. After waiting XXXX hours without resolution, I contacted Citi Bank 's customer service on XX/XX/year>, and was informed by the fraud department that there was a security alert on my account. I was assured that after verifying my identity, the issue would be promptly resolved. 

However, I was later informed that Citi Bank had restricted my accounts and intended to close them within XXXX days, and these accounts would be returned to me. This is particularly alarming as my savings account holds over {$2500.00}, which I urgently need for essential daily expenses and bills. All funds in my accounts were transferred from my XXXX XXXX XXXX  account via XXXX, and I have provided Citi Bank with documentation proving the legitimacy of these transactions. 

After being told by the case specialist that both of my accounts were completly closed the funds are being expedited to me I was only sent a check for the balance of my checking account, which was under {$8.00}, while my savings account with over {$2500.00} remains inaccessible. When I reopened my claim, I was informed that I needed to verify additional information to either expedite the return of my funds or regain access to my account. However, whenever I attempt to contact the fraud department, I am either placed on indefinite hold or told that a higher representative will assist me, but this never occurs. 

I have repeatedly provided all necessary documentation, including proof of legitimate transfers, to Citi Bank and have fully complied with their requests. Nonetheless, my funds remain withheld, and my attempts to resolve this issue have been met with delays and unhelpful responses from Citi Bank 's representatives. 

This situation has caused me significant stress and financial hardship, as I rely on these funds for my daily living expenses. I believe that Citi Banks actions in this matter are unjust and potentially unlawful. 

I am requesting the immediate return of my funds and a full investigation into Citi Banks handling of my accounts. I am prepared to pursue legal action if this matter is not resolved promptly. 


Thank you for your attention to this urgent complaint. I look forward to your assistance in resolving this matter. 

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 2024-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I was in a XXXX XXXX relationship I was forced to get the vehicle he actually left with the vehicle in XXXX  the company I assume repossessed it because it showed up on my credit he also took my drivers license and debit cards he stole my identity, I asked for the balance to be deleted because I never had the vehicle and the vehicle was repossessed and sold at a auction this I ask that the account be removed from my credit and I already filed with the ftc and police

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 2024-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: WI

Complaint narrative:
On XX/XX/XXXX I received a mailing from Jefferson Capital stating I owed {$760.00} to XXXX XXXX. I immediately contacted JC because this debt was settled XX/XX/2023 with XXXX XXXX The debt at that time was disputed with XXXX XXXX  and a collections was added to my credit. It was agreed on XX/XX/2023 that I would settle the debt with XXXX XXXX and XXXX XXXX  at half the amount. I received a notice via email from XXXX XXXX that shows a XXXX Balance for that debt because it was paid in full at a negotiated amount. 

On XX/XX/XXXX I sent Notice to Jefferson Capitol with the copy of the email from XXXXXXXX XXXX  disputing the debt and requesting validation of the debt. I also requested to not be contacted again based on the fact that I do not owe this debt because it had been settled with XXXX XXXX. I have copies of all items sent and received. 

XX/XX/XXXX, I received a notice from JC stating their records no not indicate a paid in full status. And requested a paid in full confirmation letter. The request is exactly what I sent them from XXXX XXXX. I requested validation in the dispute letter and no contact but these items have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: MA

Complaint narrative:
This is my second time filing a Report with you about Experian they still showing the same exact thing and still not showing me at least XXXX is trying but Experian is still showing the same thing.

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 2024-08-12 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: NY

Complaint narrative:
I was reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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