vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 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: CA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-08-09 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: CA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BHFC Financial Services INC
State: NV

Complaint narrative:
every month when i ask for the car loan balance they refuse to give me the balance and always say we will send it by Email and never happen Now the sold the contract and refused to give me the Information on the new financial institution saying that they sent the Info by Email again so sad they treat the customers like this people BHFC is located in XXXX Az also i noticed that they instaled a GPS tracking system without letting me know hope you can help me with this issue with BHFC financial since there is no customer service there they just call you when is time to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: AZ

Complaint narrative:
On or around XX/XX/year>, a credit inquiry from XXXX XXXX  was fraudulently posted to my credit report. I did not apply for any credit product from XXXX XXXX. Similarly, on or around XX/XX/year>, another unauthorized inquiry from XXXX XXXX, Delaware, appeared on my report. Earlier, on or around XX/XX/year>, XXXX XXXX was responsible for a similar fraudulent inquiry. Additionally, on XX/XX/year>, another unauthorized inquiry from XXXX XXXX  was recorded. Further back, on or around XX/XX/year>, a fraudulent inquiry and account from XXXX XXXX XXXX XXXX were added to my credit report, resulting in negative reporting and adversely affecting my credit. I did not authorize any of these inquiries or the opening of these accounts. They are fraudulent and need to be deleted promptly.

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 2024-08-09 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: AZ

Complaint narrative:
On or around XX/XX/year>, a credit inquiry from XXXX XXXX  was fraudulently posted to my credit report. I did not apply for any credit product from XXXX XXXX. Similarly, on or around XX/XX/year>, another unauthorized inquiry from XXXX XXXX, XXXX, appeared on my report. Earlier, on or around XX/XX/year>, XXXX XXXX was responsible for a similar fraudulent inquiry. Additionally, on XX/XX/year>, another unauthorized inquiry from XXXX XXXX  was recorded. Further back, on or around XX/XX/year>, a fraudulent inquiry and account from XXXX XXXX , XXXX. were added to my credit report, resulting in negative reporting and adversely affecting my credit. I did not authorize any of these inquiries or the opening of these accounts. They are fraudulent and need to be deleted promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: MI

Complaint narrative:
Have been unable to log in to the TransUnion account to manage my credit freeze. This has delayed me being able to apply for a mortgage. I have tried other PCs and My phone, and is definitely a problem on their end. 

They point to a XXXX account ( XXXX XXXX  ) for support. Apparently unaware that DMs can now only be sent by paid premium accounts, they ask that I send a DM to get support.

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 2024-08-09 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: AL

Complaint narrative:
FSA outlined an option this year that if you consolidate your loans by end of XXXX, and elect for SAVE plan, I would be eligible for PSLF and my payments would be more manageable. I elected to do that. I applied for consolidation, and applied for SAVE. My consolidation went through and my loans transferred from XXXX to Mohela. My IDR request, however, did not go through due to the stay. Because of this, they automatically put me on the standard plan even though I did not elect for that. My current payment is now due XX/XX/XXXX at almost 4x my previous monthly payment, at almost {$1000.00} a month. Through XXXXDR I would be paying between XXXX which is a significant difference. I can elect to be put in administrative forbearance, but I will accrue interest that will capitalize if I dont pay as it accrues. Further, payments during this forbearance do not count for PSLF. I asked how it was allowed to put me on a standard plan when I was previously on IDR, and I have a new app for a different IDR, and I never once elected or authorized a standard plan. Mohela nor FSA had an answer. So Im just stuck in this limbo because they are not processing ANY IDR apps until the stay is resolved. 

Further, my PSLF apps have been pending for MONTHS before this pause even happened. One entered into review at the end of XX/XX/XXXX, before the pause, and still has not been reviewed. I have payments from XXXX that qualify, from an old lender, that I know I will have to show evidence for but I cant even get that process started because nobody is doing ANYTHING to move my accounts forward. So Im just stuck accruing interest with no credit toward PSLF and its not my fault at all. I did nothing wrong. 

I regret consolidating and switching plans. I feel like I was tricked. And nobody - mohela or FSA - seems to be able to help me get out of this limbo I am in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I Paid off a car loan in XX/XX/XXXX and never received official lien release. In XX/XX/XXXX I requested an official lien release document so I can get my car title, trade the car in for a new car. I was told it takes 5-7 business days and no expedited option available. Following week I follow up and was told it takes 7-10 business days and still no expedite option available. Now at risk of losing new car deal on the table with a car dealer. 
Following week I follow up and was told they can email me a copy of what the mailed me. They email a copy of unsigned lien release with no notarization or signatures. I was told to go to the motor vehicle administration and show what they emailed and get a new title. When going to the MVA I was then denied because of improper documentation. When calling back to Citizens, I was told they emailed what was sent and do not have a copy of a signed lien release. They admitted they were unsure why one was never issued, not signed when requested and now the upcoming car deal I wanted is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On two separate occasions, the first being XX/XX/XXXX, Chase gave a total of over {$2700.00} to someone in the drive-thru lane with an expired license of mine and a card that had been reported stolen. The teller gave the thief my account number, which they did not already have. We called to inquire about how this was possible when I reported my card stolen. I was told that I needed to file a claim, I did not need a police report, and a check would be issued to me in seven to 10 days. This is 6 months of back and forth, so I will provide the biggest details. When i called back to check on the status i was told that I needed to provide a police report before anything would be done on Chase 's side. I faxed the document as directed and called back in seven  XXXX days to check. I was told nothing was received and I should go into the branch to have them fax it for me. So, I show up to their branch I asked them to fax it for me they do I receive a receipt that says it has been faxed, I call chase in seven to 10 business days and I'm told again that nothing has been received. In the interim I have been told that things have been received they haven't been received I made a police report I don't need a police report on and on and on for essentially 6 months. Most recently, we submitted our police report for a third time as somebody at Chase was able to put together that the branches and these clients have been given the wrong fax number for months. So, we got it faxed with the correct number. Finally, we were told that it has been received and it is under review, and it will be 7 to 10 business days. So I called back in seven to 10 business days, and I was told that a check had been made and sent out and should be there in seven to 10 business days. Of course, it doesn't arrive so again I call ... For weeks, we go back and forth, and at this point, either my husband or I call every day. As of yesterday is the last time that i will be contacting chase as I will be acquiring a lawyer to file suit against them. I was told that our check was issued on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( conveniently, I was told this on XX/XX/XXXX when I called back and was given a 3rd and different date than I've been given before ). Each time I call I talk to 3-10 different chase representatives, get passed around, and the only thing anyone will ever tell me is call back 7-10 days. 

Oh, in addition, Chase closed our checking account WITHOUT authorization for us which only further complicated any information they could give us about our account and status of refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: NC

Complaint narrative:
I'm writing to express my concerns on a couple issues I've encountered with the credit bureau. False account listings, numerous illegal inquiries, inaccurate credit reporting, inconsistent billing, and accounts that are not mine are some of these issues. 

In order for me to be financially secure, I need assistance in solving these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2024, I sent my first letter to XXXX and XXXX requesting verification on the collections listed as Portfolio Recovery and to remove this inaccurate information from my consumer report. I sent three separate letters through certified mail on XX/XX/2024, XX/XX/2024, and XX/XX/2024 specifically asking a copy of the original documentation ( a consumer contract with my signature on it ) to verify that these accounts are mine. The credit bureaus and collection agency have failed to investigate this collection and they are choosing to remove this unwillingly and noncompliance with the FCRA law. Ive also contacted Portfolio Recovery directly requesting this information. 
The credit bureaus have failed to provide the documentation after several times of my asking. Yet, the collection agency Portfolio Recovery, is continuing to harass me by phone and text demanding for me to pay a debt that they havent provided the contract for. I do not have any recollection of these debts. This has negatively impacted my ability to receive a new job ( a credit check was ran and the collection impacted the companys ability to hire me ), my borrowing power, and so many other ways. Something has to be done about this. I am asking them to please remove this if they can not provide me with the proper signed contract. I am due justice and I look to have this resolved asap because Ive been dealing with this far too long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> I made an international wire transfer from my Wells Fargo Checking account to another checking account in XXXX XXXX XXXX ( XXXX ) for paying repairs at my rented property in XXXX, As Per Wells Fargo transfer Receipt money suppose to be delivered by XX/XX/year> but it never did. 

ON XX/XX/year>, XXXX I called to check why the money was not delivered Wells Fargo Stated that they need to verify my identity and i have to visit the branch so I walked to the branch the same day and submitted a copy of my passport & driver license. Wells Fargo Stated it will take 7-10 Business days for the transfer to be completed. 

Unit Now on XX/XX/year> The Money was never delivered Or refunded to my account I made several calls to their support and sent many emails and each agent tell me Something different like the money was delivered to the destination bank and when i ask The agent to provide the SWIFT MT103 document as proof so i can take it further with the receiving bank they state they will have to file a request to be approved and never get back to me I have been following up for almost 2 month and this costed me a delay penalty with the contractor who is carrying out the work in my Real Estate unit in XXXX Transfer Confirmation number 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 monetary relief
Consumer complaint received 2024-08-09 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:
My account with XXXX XXXX & XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in 60 days to be removed. 


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. 


XXXX XXXX & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with non-monetary relief