vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :

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 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cawley & Bergmann, LLP
State: TX

Complaint narrative:
I continue to receive collection calls from Cawley & Bergmann from XXXX in XXXX, Texas. They refuse to advise what the call is pertaining and I have never received any type of notification vial mail or any other venue of delivery from this agency, other than repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2024 my XXXX XXXX app accused a collection on the amount of {$2400.00} from a debt collector named AMSHER COLLECTION SERVICES and the creditor being XXXX XXXX XXXX XXXX I have contacted XXXX  's Fraud protection team and filed a Mobile fraud claim over the phone. Days later I received a Letter on the mail acknowledging my identity theft complain and noted the account has been deemed fraudulent and the balance is no longer attributed to me. And that they would request the collection agency to cease collection efforts and notify the credit bureaus. ( This letter is Attached ) Today is XX/XX/2024 and I have received a Letter from Amsher requesting a list of documents including an official police report, a notorized and signed affidavit plus a lot of other time consuming tasks. 

I have gone through all this hassle last year with another identity fraud case, my credit was and has been frozen for over 12 months, but this seems to be a never ending battle. And I simply can't afford to stop my days to collect all this paperwork. 

Please have these company effectively remove this collection from my credit report. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
on XXXX XXXX XXXX XXXX i sent a letter to experian asking them to provide me with information regarding a item listed on my credit coming back as verified I asked them to provide me with evidence of this matter and have gone ignored on my request.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a consumer, I have listed the concerns about your reporting in my last two dispute letters sent to TransUnion. I sent TransUnion my first dispute letter which on XX/XX/2023, via certified mail, and the second dispute letter was sent to TransUnion on XX/XX/2023, also via certified mail. My credit report is not complete nor accurate and TransUnion has failed to meet applicable standards according to the law that they are required to adhere to by for both FCRAs as well as Metro 2 compliance. My rights are being violated and I am aware that TransUnion has been sending out form letters in response to my letters which is illegal and also they have completely ignored all Information that I have requested. I have no choice but to invoice TransUnion for violating my consumer rights and for personal damages incurred.TransUnion is in direct violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance amongst others that are listed in the invoice attached. I will be sending them a notarized affidavit along with an attorney general complaint.

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 2024-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We called XXXX XXXX on XX/XX/year> and bought round trip tickets over the phone. Next day XX/XX/year>, we called again XXXX XXXX to buy additional tickets from ( XXXX XXXX frequent flier mileage ) a lady answered the phone from XXXX XXXX saying they will help. We told her we only wanted to buy tickets to go around XXXX XXXX with mileage. She asked about our locator number of the flight to XXXX before she could book tickets from XXXX to other destinations. After looking at our confirmed reservation to XXXX, she lied saying that it wasnt confirmed. So she cancelled original reservation made by XXXX XXXX and made another reservation to received large commission. We told her not to cancelled our reservation and only help us with XXXX XXXX. She charged us two times separately, for her commission and ticket at our Credit Card. When we asked why she charged us twice, she said that is the way it had to be done. Everything was done by her, pushing, rushing and falsifying and under duress within seven minutes. 
We had our own doubt, so we called XXXX XXXX right away and they told us this was a fraud, they refunded the ticket price but we are still out of {$1500.00}. All this took place because she wanted to make commission of above amount, Now the Credit card. is not crediting our account for {$1500.00}. We dont think we should pay this amount. we had not received any product or services, did not travel and could not even open the ticket send by email. We have excellent credit that this company is trying to ruin by favoring Merchantfor Fraud, and encouraging instead of stopping them. 
We are Seniors age XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am in the process of applying for a consumer loan ( XX/XX/year> ) with a finance company. I already have one loan with the company, so my information is in their system. 

However, when the loan company tried submitting my name, address, social security number, and date of birth, a message stating that my XXXX and Transunion credit reports were frozen. I contacted both credit bureaus ( created an online account ) and went to the section on freezing information. No freezes were located on either of my credit bureaus. On XX/XX/year> I contacted the loan company with this information. The loan company resubmitted my information and the same message from the day before was shown... the my credit reports were frozen. 

Neither XXXX nor Transunion will explain how to remove the freeze from my credit reports so that I may apply for a loan.

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 2024-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
I am part of the XXXX post-graduate closure action. As a result, my student loans were placed in forbearance until XXXX. However, I also participate in PSLF and want to continue making monthly payments on that program while the lawsuit is being resolved. On XX/XX/year>, I made my first monthly payment of {$540.00} since loans were paused for XXXX. However, because my loans were in forbearance, this payment didn't count towards PSLF. 

Since XX/XX/year> or XX/XX/year>, I have called my student loan servicer, MOHELA, at least 4 times and submitted a email asking that my loans be removed from forbearance status and that my payment of {$540.00} be refunded. On XX/XX/year>, I received notification that there was a delay in processing my requests, and that they would be processed within the following 90 days. However, it has now been 90 days and neither of these have been done. Consequently, I have been unable to make 4 of the 120 qualifying monthly payments towards PSLF and I am still owed {$540.00}. Working with MOHELA has been extremely frustrating. The wait times to speak to someone have always been longer than an hour and my requests have not been processed at all, let alone in a timely manner, which has resulted in personal consequences to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following inquiries appeared on my credit report without my knowledge or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-01-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following inquiries appeared on my credit report without my knowledge or permission. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like to have all hard and soft inquiries deleted off my credit report because Per 15 USC 1681, I gave no written consent for this information to be reported. Also 15 USC 6802-6805 and 16 CFR 313.2 both state that I can opt out of anything on my credit report at anytime. The privacy act of 1974  also covers that I have a right to privacy of all my personal information. All these inquiries need to be deleted immediately! based off law, I would like {$1000.00} to be debited to this account for this mistake or I will take legal action. Routing # XXXX Account # XXXX the FCRA, 15 USC 1681 states Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
For the last few years I have been reeling financially due to the pandemic and rising prices in rent. 

Not to garner sympathy but just to explain, I dont have folks ( parents ) and began my fXXXX XXXX XXXX XXXX XXXX XXXX  XXXX right as everything fell apart. 

To boot, as I began working full time to cover new expenses, my ability to attend XXXX dwindled. 

I was then charged an exorbitant amount of money for lack of participation despite having no choice. This is STILL preventing me from applying to colleges or receiving my transcripts to this day. 

While not exactly what I planned on reporting, I found mentioning this to be important as for the years following I was in bad shape. I even had to sell my car to pay rent after being booted from school. This is where U.S. Banks XXXX  fees come into play. 

Given my financial situation I have watched U.S. Bank skim at least a XXXX XXXX out of my account. Be it through tricky pending purchases or magically having a charge change dates a day before Im paid.

I guess Im just curious if Ill be able to retrieve those funds when the new law takes effect or if I have any recourse. Ive spent so much time with a negative bank account and only because of their fees accruing hand over fist. They recently closed my account due to lack of funds and I have bills accumulating after being priced out of my apartment again. 

Its overwhelming and Ive no other options. 

Thank you for taking the time to read this, I tried to make it as pleasant and brief as possible. 

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 2024-01-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I visited a XXXX store on XX/XX/2023 and received a receipt validating all equipment has been returned and there is no outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I visited a XXXX store on XX/XX/year> and received a receipt validating all equipment has been returned and there is no outstanding debt.

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 2024-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
When I opened both my bank account and savings account I immediately opted out of a overdraft protections Services listed and acknowledged, fully aware and assuming that any debit card or otherwise transactions that the funds were not available in the checking account would be automatically declined accordingly. When I chose to open a savings account it was under the assumption I was opening a separate account in which I could place funds I needed set aside for specific purposes to be used at specific times in which I would use them and not worry about the set aside funds disappearing at random to cover anything else but what they were set aside to be used for right. Isn't that the soul function of a savings account to save funds not use it just a filler 2nd account to be drawn on drafted at will automatically without your consent or knowledge, because if not why not just leave the funds all together in your bank account. That said I had XXXX XXXX  set in my savings account to which was specifically set aside for specific purposes and only for that purpose, I moved it to my savings so it would be used for any other reason or before I was ready to use it. When I logged into my account I noticed my savings account was over half gone, and I definitely hadn't personally made transfers from it nor authorized it was notified transfers had been completed further more. I contacted customer service who stated it was NSF feature service available to all accounts which I stated no I opted out period and followed up with In person and phone agents previously to confirm such was the case on my accounts, never once was I told them that there was an automated service I had to personal separately opt if using a form to request it to stop automatically transfers from savings to cover checking debit transactions funds aren't available to cover. Which I believe defeats the entire purpose altogether and was never told this and never would have agreed to it. I also made Claims complaints requesting Unauthorized transfers from my savings account as I had absolutely not authorized nor had I been given notice of the transfers or consented to the transfers either and wanted all transactions I had not personally completed myself reversed accordingly. My request was not processed agent disconnected the call without finishing the claims processing as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UPGRADE, INC.
State: NV

Complaint narrative:
On XX/XX/year> Upgrade bank which uses XXXX XXXX XXXX suspended my acct for suspicious activity. I was sending out urgent wires. They canceled my wires and I provided them with the bills, contact info of the places I was making payments to, and even the lease agreement for my rental. I also had my son 's birthday which I was planning an event for and showed them his medical records, which have his date of birth, which is XX/XX/XXXX. They kept telling me that a " department '' is reviewing my account but that there was no contact information for that department or way for me to get communication or an update from them. It has now been almost 60 days. My children and I have been evicted and I have had to borrow money for hotels. I have called them daily since XX/XX/XXXX and have sent emails and the representatives keep saying they don't know what to do because the " department '' is reviewing my account. All of my transactions are legit and I have provided them with a lot of information to verify. when I reported them to the FDIC I learned that XXXX XXXXXXXX XXXX tends to suspend accounts and hold funds from their members often without a legit cause. I also read that they have been in a lot of financial problems. All I want is for them to reinstate my account so that I can make urgent housing purchases and then close my account with them. I am very worried that they are trying to keep my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: TX

Complaint narrative:
I took out a {$300.00} payday loan on XX/XX/XXXX with a bi-weekly payment of {$90.00}. 
Total of 12 payments with last payment being {$89.00}. 
The loan was to be paid off on XX/XX/XXXX. 
I reached out to them asking why they were showing another payment to be drafted on XX/XX/XXXX. I was told because I contacted them and skipped a payment on XX/XX/XXXX. 
I do not recall doing this because for the longest time I did not even know how to reach them. 
I looked at my bank account and yes a payment was not drafted on XX/XX/XXXX, which I don't know why I had the money to cover it. 
I fold them okay I would agree to pay 1 more payment on XX/XX/XXXX for the missed one but not 3 more which was almost the original loan amount. That that was a rip off. 
The manager was not very helpful. I told them I had my contact and it shows my account to be paid off on the XX/XX/XXXX that I would not authorize another payment. 
Yesterday when I logged on to there website ( XX/XX/XXXX ) it showed my account as paid in full, however they still drafted a payment of {$90.00} today ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
on XXXX XXXX XXXX XXXX  i sent a letter to equifax asking them to provide me with information regarding a item listed on my credit coming back as verified I asked them to provide me with evidence of this matter and have gone ignored on my request

Company response to consumer: Closed with explanation