vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I tried multiple times to call TRANSUNION over the phone with no success. I am writing to formally lodge a complaint against TransUnion regarding my inability to update my address due to their lack of response on the phone. 

I have attempted to contact TransUnion multiple times to correct an incorrect address on my credit report. Despite following the provided procedures and waiting on hold for extended periods, I have been unable to reach a representative who can assist me with this urgent matter. This incorrect address [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ] is affecting my credit report and may have negative implications for my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit information is accurate and up-to-date. XXXX failure to provide accessible customer service to address this issue is concerning and unacceptable.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
My loan servicer is Mohela. I submitted a general forbearance request along with the required pay stubs on XX/XX/XXXX. 2 days later I checked the website and it confirmed it was received. Then 2 days more I hadn't had any contact from them, ( the first time I had a forbearance request approved they were very fast about it ). I then checked the website to see if I had any messages, there were none, but my general forbearance request dated XX/XX/XXXX was NOT ON THE WEBSITE anymore. 
Then I tried calling ( if not everyday, every other day ), phones are busy all day all the time. I tried going to the contact us page on the website and the link is disabled, you can not send any message to them. 
I have no way of contacting them. As of XXXX I am considered in late payment with another due XXXX. I am down to one job so its a tough time for this to happen now. 

How do I reach them? 

Thank you XXXX XXXX XXXX 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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with 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. 

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

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 2024-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I entered the SoFi Website in order to extend a deck consolidation personal installment loan. I completed the information as requested online. A response was provided that the credit was denied. 
Access the adverse action letter that had standard verbiage that was not related to the real reason for the denial. However, it did state that I had insufficient payment history with them. 
I have literally just paid off a {$78000.00} loan that I had recently refinanced and taken out additional funds. So at this point, I have had two loans with them and exceptional payment history I reached out to them directly to ask today why I would receive such notice on an adverse action when it was not accurate or correct. On the contrary, it was false. 
The response was that I had to wait 90 days in order to extend another loan. When I inquired about the discrepancy, the answer was that it was their policy. 
My complaint is that they are deceiving or untruthful in a formalized adverse action letter as required by law. I wonder how many people they affect by doing this and stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to authorize, nor benefit from the following accounts. Block and Remove. 

XXXX XXXX XXXX XXXXXXXX Account # XXXX has not been verified, nor is it in compliance with GA Federal LAW 53-7-42 and FEDERAL LAW 1006.26.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to authorize, nor benefit from the following accounts. Block and Remove. 

XXXX XXXX XXXX XXXXXXXX Account # XXXX has not been verified, nor is it in compliance with GA Federal LAW 53-7-42 and FEDERAL LAW 1006.26.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am filing a complaint against what I believe to be predatory lending practices by Capital One Bank. I was offered a settlement for an account that had been written off, with a total settlement amount of {$440.00}. The agreement required me to make XXXX equal payments of {$140.00}, starting on XX/XX/year>, to settle the account. 

I successfully made XXXX payments toward this settlement. However, when the third payment was due on XX/XX/year>, an issue with my bank caused the payment of {$140.00} to be returned. I contacted Capital One the same day to resolve the issue and make the final payment. I was informed that the payment plan had broken and that they would need to escalate the case to reinstate the original settlement, leaving only the final payment of {$140.00}. 

Despite following up, I never received a response regarding the escalation. When I contacted Capital One again, I was told that they could no longer honor the previous settlement and that I would need to set up a new payment plan for {$450.00} to settle the account. 

This feels like a clear example of predatory lending, where a financial institution takes advantage of its customers. At a time when people are doing their best to meet their financial obligations in a tough economy, companies like Capital One should not be allowed to exploit these situations. 

I request that Capital One honor the original settlement and allow me to make the final payment of {$140.00} to close the account, or alternatively, refund the XXXX payments I have already made. This situation should be investigated, and I believe there must be guidelines from the XXXX regarding such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've noticed unauthorized inquiries on my credit report by various companies, which has caused me significant stress. I'm concerned about the potential misuse of my personal information and the impact on my financial standing.

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 2024-10-04 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: TX

Complaint narrative:
There are inaccuracies on my credit report that are subject to 15 USC 16c-2, which I believe are damaging my creditworthiness.

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 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I have a XXXX XXXX [ XXXX Bank ] and was late on my XXXX & XXXX payments because I was out of the country and was charged a {$40.00} late fee in XXXX & {$40.00} late fee in XXXX. Not only are the late fees outrageous, but I am also still making a payment within the 30-day window. I received nonstop calls and text messages for XXXX weeks straight in XXXX when it hadn't been over 30 days, and I made my payment within the XXXX window. The calls and text messages were harassing even though they were still in the 30-day window, and I made a payment within XXXX weeks of the actual payment date. I would like to report the harrassement I received and the late fees that are even more than my minimum payment.

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 2024-10-03 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: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
My account with 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.

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

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 2024-10-03 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: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX, I logged into XXXX XXXX and discovered a recent hard inquiry for credit from CB Indigo. I called the company to dispute the hard inquiry and inform them that authorization to use for my credit was not provided. The last authorized request for credit was in XX/XX/year> for XXXX XXXX. The company took my dispute but indicated that the I would need to dispute with the bureaus. I talked to agent # XXXX @ XXXX. 

I contacted XXXX who informed me that they do not remove hard inquiries and I needed to dispute with the creditor and file a dispute with the FTC. 

I filed a dispute with the FTC as requested. The reference number is XXXX. 

Additionally, I added credit freezes to all bureaus. 

I would like the unauthorized hard inquiry from CB Indigo removed from my bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: LA

Complaint narrative:
I recently reviewed my credit report and found several billing errors. The late payments do not align with my typical payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
After examining my credit report, I noticed various billing mistakes. The late payments are inconsistent with my regular payment history.

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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
XX/XX/year> the company asked my to pay {$20.00} in order to hold by account that was supposed to be charged on XX/XX/XXXX. Said they will hold my account until XX/XX/XXXX. I paid the {$20.00}. I called to pay the settlement offer of {$210.00} on XX/XX/XXXX and they said my account was charged off and I would need to pay the full amount. They were supposed to hold my account from being charged off as agreed.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of 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 explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding my recent experience at a Chase Bank branch in XXXX, TX, on XX/XX/year>, at approximately XXXX XXXX  XXXX As a long-standing Chase customer, I have routinely completed significant transactions, including cashing and depositing checks up to {$50000.00}, at various Chase branches in XXXX, TX . In all my prior banking experiences, I have never encountered the kind of treatment I experienced at this particular branch. 

On the day in question, I visited the XXXX branch due to its proximity and requested to cash and deposit a check made payable to me by my mortgage lender for {$26000.00} through the drive-thru. The teller informed me that this transaction could not be processed via the drive-thru due to the amount, and I was instructed to enter the branch for same-day availabilitya requirement I have not faced at other XXXX branches, even for larger checks. 

Upon entering the branch, I was not acknowledged by the initial teller, and my check was instead handed off to another teller without any explanation. The second teller asked me to restate my request and informed me that she may not be able to process the cash-and-deposit transaction based on my account. This was puzzling, as my accounts are in good standing, and I have previously deposited larger checks from the same lender without issue. When I inquired further, the teller vaguely referenced " fraud '' but could not offer a clear or direct explanation. 

Following what appeared to be instructions from the first teller, my check was processed, and I was handed a receipt indicating that my funds were placed on hold for further verification, again without any proper reasoning. This treatment was inconsistent with my usual experiences at other XXXX branches and raised concerns about whether my transaction was being handled differently due to racial bias. 

As a person of color, it is difficult to dismiss the feeling that I was singled out during this process, especially since I have always been treated professionally and efficiently at other branches. The vague explanations and additional scrutiny applied to my transaction, combined with the unwelcoming behavior, suggest the possibility of racial discrimination at this location. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly, as such disparities in service raise serious concerns about fairness and equity in financial services. I am seeking an explanation for why I was subjected to different procedures at this branch and assurance that Chase Bank takes steps to prevent discriminatory practices from occurring. 

Please feel free to contact me for any further information or clarification regarding this incident. 

Thank you for your time and attention. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with explanation