vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANS UNION KEEPS REPORTING BACK SAYING UP-DATED AND THEIR UP-DATES PUT MORE DAMAGING INFORMATION ON MY CREDIT REPORT. I THINK THE WORKERS AT TRANS UNION ARE TRAINED TO KEEP NEGATIVE INFORMATION ON XXXX XXXX CREDIT FILES. I KNOW TRANS UNION SUB-CONTRACTS TO CALL CENTERS IN THE XXXX. 

I WANT ALL THE GAMES TRANSUNION IS PLAYING TO STOP AND THEY REMOVE ALL MY PAID OFF BILLS. 


XXXX XXXX XXXX XXXX established the XXXX XXXX XXXX through the XXXX XXXX XXXX Reform and Consumer Protection Act of 2010 to provide compensation to consumers who have been harmed by violations of federal consumer financial protection law. 

When the Bureau collects a civil penalty through an enforcement action, that penalty is deposited into the Civil Penalty Fund. The money in the Fund is pooled and can be used to compensate victims who havent received full compensation for their harm through redress paid by the defendant in their case. 

In accordance with the Dodd-Frank Act and the Bureau 's Civil Penalty Fund rule , the Fund can only be used for two purposes : to compensate eligible harmed consumers and, to the extent that victim payments are not practicable, to provide funding for consumer education and financial literacy programs. If victims can not be located or it is otherwise not practicable to pay victims, the Bureau may keep the money in the Fund for victims in future cases, or the Bureau may use money in the Fund for consumer education and financial literacy programs. 

Learn more about how we determine victim eligibility Our work Victim payments The Bureau may make Civil Penalty Fund payments to consumers who were harmed by a violation for which civil penalties were imposed, and who arent otherwise expected to get full compensation for their compensable harm, as described by the rule. The Bureau hopes to make payments to all such victims, but whether it will be able to will depend on the amount of money in the Fund and other factors. 

Learn more about victim payments from the Civil Penalty Fund

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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, Please see attached - there is wrong and incorrect Personal Information on my credit report that needs to be fixed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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 a refund issued on XXXX from XXXX for ORDER # XXXX in th e amount of {$280.00}. I contacted the bank and was told this refund was rejected on the account closing on XXXX and to contact XXXX. Today is now XX/XX/20 and XXXX still does not see this refund.

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 2023-08-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2023 To Whom It May Concern, Subject : Request for Supplementary Report and Related Personal Information I am writing in accordance with my rights under federal consumer law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to request a copy of my supplementary credit report and all related information that your agency holds pertaining to me. In addition, I kindly request any security keys, PINs, or other relevant authentication details associated with my information. 
Under the FCRA 's 609, Disclosures to Consumers, the law states : " ( a ) Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request... '' Given the above, I expect your agency to provide me with the requested information in compliance with this regulation. 
Furthermore, I kindly request that all provided information be channeled through the Consumer Financial Protection Bureau ( CFPB ). This is to ensure transparency, accuracy, and adherence to the guidelines that protect consumer rights. 
Your timely attention to this matter is highly anticipated. I expect a response within the 30-day window as specified by the FCRA. If for any reason my request can not be fulfilled entirely within the stipulated timeframe, please inform me at the earliest opportunity with a valid reason and the anticipated date by which I can expect my request to be fully addressed. 
I have enclosed copies of a utility bill and my identification for the purposes of identity verification. I explicitly do not grant permission for my provided information to be added to your database or for any subsequent updates to be made to my personal information using this provided data. 
You may respond to this request by forwarding the requested information to the Consumer Financial Protection Bureau ( CFPB ) or by emailing it directly to me at XXXX Thank you for your cooperation. I trust that your agency will handle this request with the diligence and urgency it requires. 
See enclosures to verify identity. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
They have violated my civil and human rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuse to remove collection/negative item or provide an option for online dispute for these inaccuracy accounts from Fico Score Equifax XXXX As shown by the docs provided below, Equifax does not have these accounts on my Equifax credit report, however these accounts still showing on Fico Score Equifax. I have contacted Equifax via Phone on XX/XX/2023. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: MI

Complaint narrative:
on XX/XX/2019 some one took out a loan for {$1000.00} in my name that i know nothing about. i called the company and told them about the loan but it still shown up on my credit report i would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am leasing a car from XXXX XXXX XXXX, During COVID I lost my job so my payments became harder to make on time, I contacted XXXX to change my payment days to match with my paydays and I was also charged more interest. I try and keep track of my bills but feel like these payments and interest being added is robbery and I wish to have it discharged. Also all late payments legally are not to be submitted and they were and have hugely impacted my credit report making it impossible to get any type of debt consolidations to help pay down or discharge my lease payment altogether. I want to know what XXXX 's privacy and consent protocols are and want all late payments removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: DE

Complaint narrative:
This issue is related to Public Service Loan Forgiveness or PSLF. MOHELA is my current student loan servicer and I submitted my final paperwork to ask my loans to be forgiven as I qualified for Public Service Loan Forgiveness to both Mohela and Studentaid.gov in early XX/XX/XXXX. Prior to this date, my servicer was XXXX and every year I submitted my PSLF tool application on-time and was kept up-to-date with my qualifying payment count. Well, this past week ( XX/XX/XXXX ) I reached back out to MOHELA to request more information on my status and they indicated that even though I have 140 qualifying payments ( at this current time ), they would not be able to 'validate/audit " all of my payments prior to new payments starting back up on XX/XX/XXXX. 

This is absurd- for two reasons - first, they said that " if I have any 'payments ' for {$0.00} that those payments would not be counted as qualifying payments. '' ( that is against the the new law that just got passed. ) Second, most of my {$0.00} payments were when my loans had been placed in forbearance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) as I was incorrectly told that I would need to place them in forbearance in order to make sure I would not have to make payments on my loans during my service; however, had they just been placed in a 'Income-based Repayment Plan, ' due to my income being around XXXX XXXXXXXX I would have made {$0.00} payments due to my financial situation. 

Therefore, with Mohela indicating that I will have to start making payments again in XXXX and that I will not be eligible for a refund on any new payments that replace {$0.00} payments within my 120 qualifying payments, they are illegally denying me from receiving payment counts on my XXXX XXXX XXXX XXXX- which is illegal and protected by law. 

I would like for you to support my case in any way possible so that I can receive proper loan forgiveness as I am entitled to receive. 

Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian 's data is incomplete. They claim I have only 3 paid on time accounts when all but one of my accounts is paid, whether open or closed, and never late. I have 1 account that was ever late and I did not know there was anything on the account. The amount was {$5.00} that the card company added after I paid it in full on their website. They showed it as {$200.00}. I had no way to know they had added a charge to the account because I had moved to take care of my elderly mother. They made no attempt to contact me beyond mailing notices to my old address. No email or phone call or text. I had even changed my driver 's license and address so they had notice I had moved. Experian should show about a dozen Paid/Never Late accounts but they don't. All of their aggregate data is incorrect giving creditors a completely false picture and reducing my credit score from well over XXXX to the mid XXXX 's over a {$5.00} late payment.. 

In addition, they stole my credit card number and tried to charge me for something I had refused to authorize and blocked me from accessing my account. It took two hours to get someone on the phone to fix it and the next day the same thing happened again.

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 2023-08-20 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery associates have garnished and illegally accessed my life and personal life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I cancelled my car XXXXnsurance because medically I was no longer able to drive. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also, received a letter to show that it was confirmed and cancelled. Bank of America, allowed them to keep taking money out of my account for 9 months. I am XXXX and barely scrape by on my social security. I called dozens of times, to file my dispute and I submitted documentation only to have them say that the merchant did not respond so I would not be entitled to any further dispute. I was told so many times that I would receive a credit to my account if they did not respond. A manager had told me at Bank of America that I needed to file another dispute. The insurance was cancelled and the letter was dated XX/XX/2022 and I called to put stop payment on it in XX/XX/2022 because I had major XXXX and was in XXXX  between then I was also unable to handle it any earlier. Bank of America also asked for medical records showing I was in the hospital I dont know if thats even legal. I also called the insurance company and was told that they sold the company to someone else I would have to call that number that new insurance company which they had no record of my account. It was {$670.00} total.

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 2023-08-20 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: Self Financial Inc.
State: TX

Complaint narrative:
The payment history of my account has been inaccurate, and incomplete. 

In accordance with the fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 States, I have the right to privacy 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have given them multiple opportunities to cure and remedy these continuous and willful violations of my consumer rights. They have consistently ignored, stalled, and not rectified these harmful and hurtful assasination of character. 
# XXXX XXXX XXXX XXXX / XXXX closed account on XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: MI

Complaint narrative:
Kikoff is reporting late payments which is illegal. Its hurting my credit reporting file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: GA

Complaint narrative:
XXXX XXXX XXXX  have garnished and illegally accessed my life and personal life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I learned yesterday XX/XX/XXXX that on XX/XX/XXXX {$2000.00} was applied to my credit card account. That same month I also made a {$1700.00} payment myself. I never did pay attention to what my available balance was or did the math on it. All I saw was my available credit balance went up especially since now I see my payment was close to the amount of the {$2000.00} and I assumed it was from my payment. I didnt review each and every transaction so I missed seeing the {$2000.00} addition. 

I learned all of this yesterday morning because ( a whole 7 months later ) I saw a {$2000.00} debt listed as payment adjustment and a debt for {$32.00} listed as Finance Charge Prev Cycle Charges My first thought was that fraud was happening and that my credit card account info was compromised. When I called my bank thats when they told me that back in XXXX they made a mistake and applied someone elses payment to my account and that the {$2000.00} debt was them not only taking it back but also charged me finance charges on it. 

Now my account is in the negative. The limit on the card is {$7500.00}. Ive NEVER maxed out my cards or spent over the balance but now I'm in the negative - {$1600.00} and theyre telling me theres nothing that can be done despite the error started on their end. Now I'm afraid this will be reported to the credit bureau and they will charge me a fee for being over. They made the error by misapplying they payment and I made the error in not catching apparently! 

I have previously paid my card in full and then started using it again. Starting in XXXX I made payments monthly for XXXX, XXXX and in XXXX. I acknowledge not making payments in XXXX, XXXX and XXXX. However I did make a payment this month in XXXX. I didnt make those payments for XXXX, XXXX & XXXX because during those months my statements said {$0.00} due for those months so I took the opportunity to catch up on other bills since having some leeway with my credit card payment for those months. But as soon as I received a statement that showed an actual amount due ( Which was for this month XXXX ) I made the payment, on time and a little over the amount that was due. 

With that being said Ive always had an available balance. Ive never myself taken my card down to XXXX  available balance or over my credit limit. At the time that the bank realized their error I had around {$400.00} or {$500.00} available balance and now Im over a XXXX dollars negative and my bank doesnt care that this misapplied payment messed up my account for me and now I have to bare the repercussions. I dont think this is right!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANS UNION KEEPS REPORTING BACK SAYING UP-DATED AND THEIR UP-DATES PUT MORE DAMAGING INFORMATION ON MY CREDIT REPORT. I THINK THE WORKERS AT TRANS UNION ARE TRAINED TO KEEP NEGATIVE INFORMATION ON AMERICAN 'S CREDIT FILES. I KNOW TRANS UNION SUB-CONTRACTS TO CALL CENTERS IN THE XXXX. 

I WANT ALL THE GAMES TRANSUNION IS PLAYING TO STOP AND THEY REMOVE ALL MY PAID OFF BILLS. 


Civil Penalty Fund Congress established the Civil Penalty Fund through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to provide compensation to consumers who have been harmed by violations of federal consumer financial protection law. 

When the Bureau collects a civil penalty through an enforcement action, that penalty is deposited into the Civil Penalty Fund. The money in the Fund is pooled and can be used to compensate victims who havent received full compensation for their harm through redress paid by the defendant in their case. 

In accordance with the Dodd-Frank Act and the Bureau 's Civil Penalty Fund rule , the Fund can only be used for two purposes : to compensate eligible harmed consumers and, to the extent that victim payments are not practicable, to provide funding for consumer education and financial literacy programs. If victims can not be located or it is otherwise not practicable to pay victims, the Bureau may keep the money in the Fund for victims in future cases, or the Bureau may use money in the Fund for consumer education and financial literacy programs. 

Learn more about how we determine victim eligibility Our work Victim payments The Bureau may make Civil Penalty Fund payments to consumers who were harmed by a violation for which civil penalties were imposed, and who arent otherwise expected to get full compensation for their compensable harm, as described by the rule. The Bureau hopes to make payments to all such victims, but whether it will be able to will depend on the amount of money in the Fund and other factors. 

Learn more about victim payments from the Civil Penalty Fund

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 2023-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
on XXXX credit card in the amount of {$5000.00} was opened in my name that i know nothing about. i contacted the company and hey told me that if i made a payment to a collection it would be removed from my credit report, but it was not removed.

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