vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent out a letter regarding false and unknown things on my credit report. Over 60 days later, I have not received a response yet from the bureaus. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted rapidly. If the accounts are not deleted immediately, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I sent out a letter regarding false and unknown things on my credit report. Over 60 days later, I have not received a response yet from the bureaus. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted rapidly. If the accounts are not deleted immediately, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
In XX/XX/2021 I had XXXX XXXXXXXX and missed a payment, I was never notified that I was late, or behind and no obvious information was available to let me know of a problem.FIVE months later, a rep from BMW financial services contacted me about a problem with my account and wanted me to verify info because I do not verify incoming call information. I logged into my account, saw a problem, fixed the payment issues, and assumed all was well. Now BMWFS is reporting me late four months in a row despite me giving them money every month. Their lack of notification on this matter corallites very conveniently to when I need to refinance this loan. They have knocked my credit score down almost 150 points and will be expecting me to refinance my loan with a sub XXXX credit score which GREATLY benefits their bottom line. 

My stance is here IF I had been notified on any level other than 1 email per month, I would have taken care of this immediately. They are taking advantage of the situation, keeping me from a home purchase and ruining my credit score. I have had one late payment in the last eight years ( an oversight at {$32.00} due to switching primary banks ). With these egregious reports, my financial freedom is in jeopardy because they did not notify me about a matter as grave as my credit score. And their " courtesy notifications '' seem to be entirely arbitrary as to when they will let their customers know there is a problem with their account standing. 

I sent them a dispute letter on XX/XX/XXXX and didn't receive a reply until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2022 I received a notification from Navy Federal Credit Union that a XXXX transfer in the amount of {$500.00} was made and approved to a XXXX XXXX account. I immediately went into NFCU to let them know of the notification and that it was not me. I have never used XXXX and would not know how. NFCU said that a secondary cell phone number had been added to my account by a hacker and that it had an out of state area code. They also said that they were aware of the massive XXXX fraud occurring within their banking system. I did not ask to have XXXX and I was not given an opportunity to opt out of this third party service. I have also never used my debit card in an ATM machine. They did an investigation and said they would not refund my {$500.00} and they concluded through their sham of investigation that is was me and they would not be refunding my stolen money. The XXXX XXXX was easy to follow in that I have never made a transaction hike this and am a XXXX XXXX XXXX widow with low IT skills. They made me feel like a liar and a criminal which I am neither. Please help me so others in my demographic are safe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I call Experian business ( various numbers ) to no avail. I sent Experian emails ( XX/XX/XXXX and continuing ) to notify of this inaccurate reporting information on the following : XXXX. The Key Personnel that are listed in the credit report are not employed with XXXX XXXX  XXXX XXXX XXXX in any position. I sent dispute documentation ( XXXX, XXXX & XXXX annual reports ) of our corporate structure to Experian. Nothing!!! 

XXXX. The Trade Payment Information are fraudulent because XXXX XXXX XXXXXXXX, XXXX has never applied for any loan nor credit with any lenders in its 20  years of existence. Furthermore, we could not even contact the lenders in the business credit report because there is " NO '' lender contact information listed along with insufficient reporting information to substantiate that lender ( XXXX ) claim. Nothing!!! 

XXXX. Experian is " Obligated '' to provide " Lender ( XXXX ) contact Information '' to XXXX XXXX XXXX, XXXX under The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. and laws ( XXXX, XXXX XXXX FL. Stats. ) - All reporting bureaus that report credit fiduciary statement to the public, must provide " financial institution '' contact information upon disputing party in due process. If say reporting bureau can not furnished " financial institution '' contact information to disputing party that credit data can not be verified upon disputing party 's report. All credit reporting data must be verified and certified by due process. I requested the lenders contact information that furnished us credit, loan and the like to address their findings. Nothing!!! 

XXXX. I demand that Experian moved all derogatory data from our company credit report immediately and effectively. This inaccurate reporting information has placed our company in an inequitable position and forcing the company into a stagnation in fulfilling obligations. Thank you. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX : ( XXXX ) XXXX Office : ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I just want to flag for you that mortgage servicing companies are starting to dramatically increase the frequency of transfers for loans being serviced. Most recently, my loan was transferred to Roundpoint Mortgage in XX/XX/XXXX ( this was my XXXX mortgage servicer of XXXX ). 

On XX/XX/XXXX - I received notice that Roundpoint had transferred it XXXX Mortgage. I have no problems paying the mortgage, but I can not because the data to set up an account for me at XXXX has not yet been received according to the customer service agent I just spoke to. I know there is a 60 day grace period, but I now have to wait, go back in a few days, check to see if the loan details have been transferred, and only then set up a new account, pay the outstanding balance, and then set up another auto payment plan. Doing this once every few years isn't a big deal. Doing it XXXX or more times a year is a little over the top. 

When I spoke to the customer service agent at XXXX Mortgage he shared with me that he's seeing a massive uptick in mortgage servicing transfers and warned me to not to be surprised if it is transferred again quickly. This is kind of ridiculous. I'm running around chasing paper, having to share incredibly sensitive Personal Info including my routing and bank account numbers with multiple companies at a time when data breaches are on the rise, and I'm going to have to chase down all this info for my taxes to be sure I'm able to get the mortgage deduction I am owned. Isn't there anything the CFPB can do about excessive mortgage servicing transfers?

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 2023-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Westlake Services, LLC
State: CO

Complaint narrative:
Hello good evening I financed a car through Westlake, financial replacing unexpected fees, and taking money out of my bank statement account I have the statements to provide the transaction XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX I called the company see what was going on things dont match up in the end statements they have didnt help or want to retain to help me out.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These companies acquired my report without my permission Ive asked for the permission letter several times an no one has produced anything please help me remove these items. Under the fair credit act 15 usc 1861 they must have permission to run my credit an provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One 360 savings offered bonus for fund remaining in the account for 90 days. I transferred {$100000.00} on XX/XX/XXXX ( within the period of this special offer ) and the 90-day was up on XX/XX/XXXX. As of today XX/XX/XXXX, my money is still in the savings account but the {$1000.00} bonus is nowhere to be found. I called the customer service and the rep went round and round trying to find a loop hole on the offer but he couldn't find any. He agreed that the bonus of {$1000.00} should be in my account now. He put me on hold for about 15 minutes then a XXXX  XXXX XXXX no last name given, her ID is XXXX ) came on the phone and asked me all the info again, apparently the 1st rep didn't give her any info just asked for a supervisor. After another 10 minutes or so scrutinizing all the details, she announced that the bonus would come on XX/XX/XXXX. I asked her why and she just informed me that that was how the system worked. I asked to see the documentation that stated the bonus would be shown in my account but she refused to send me an email or any written material to certify what she said. Apparently she can see it ( or possibly just blow me off? ). I am frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I've tried disputing inquires I see reporting on my credit report that I did not authorize but have not heard back from the credit bureaus so I'm issuing a compliant on my behalf.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I've tried disputing inquires I see reporting on my credit report that I did not authorize but have not heard back from the credit bureaus so I'm issuing a compliant on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I have contacted this company numerous times about this account not belonging to me. They have never validated this debt or provided anything showing that this debt belongings to me. Additionally this debt is below {$500.00} so it should no longer be reporting. Also, the fact that they sent me something showing there is no balance on this yet it's showing on my XXXX credit report with a balance. This item needs to be deleted. They are violating my rights and the FCRA. This is defamation of character and this inaccurate information that never belonged to me in the first is causing me much anguish and higher interest rates due to effect this has on my credit. Remove this account.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a letter from Bank of America today stating I had a forced closed on an account that I never opened. I called the bank and was informed that the account was opened in XXXX 2022. The fraud department stated that they are going to investigate. What I find odd is that someone else I know had the same thing happen to them recently. We do not have any mutual persons that could get both our information. So I am wondering if someone at the banks are opening accounts like I have read of happening at other banks.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've tried disputing inquires I see reporting on my credit report that I did not authorize but have not heard back from the credit bureaus so I'm issuing a compliant on my behalf.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
We leased a new XXXXXXXX XXXX through one of my companies in 2018. Every payment was made on time and was auto drafted from our account. The dealership we leased the vehicle through no longer existed when the lease was up. We returned the vehicle to the new dealership in XXXX Alabama as instructed. There were no issues, they said we were good, checked all the boxes, and I signed the paperwork. After I asked about several of the extras we purchased through their lease program that were never delivered to us, and we were told we would have a credit issued to us. Nothing ever happened. 

Unfortunately sometime in the last few months XXXX has filed a negative action on my personal credit report for all of {$360.00}. No idea where that came from, especially since they were supposed to owe us money. Now my pristine credit history with exceptional payment history for more than XXXX years looks like I did not make 4 payments on this volvo XXXX and that they charged off the account, even though we paid every payment on time, and returned the car in pristine condition. Furthermore it was leased under my company, not me personally, so why are they putting false info on my credit report? 

I do not see how any company has the power to do this to someone? This is causing me major problems. Any assistance would be greatly appreciated. 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