vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I haven't checked my credit report in a while and noticed a ton of inaccurate information I reached out to all three credit reporting agencies that they were reporting wrong and inaccurate information I gave them the correct information of the only thing that I want on my report I even sent copy of my license, auto policy and financial statement which all had what was correct I called several times before I decided to mail the above documents and they can't seem to get it correct how much more proof do I need to send to them to correct inaccuracies I thought that by law they had to only report with XXXX percent accuracy Please advise?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Kikoff Inc.
State: NJ

Complaint narrative:
This account is closed!!! And paid off!! According to FRCA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and XXXX XXXX XXXXXXXX is reporting a wrong loan balance they are reporting XXXX and last I check I owed only XXXX. In addition they are not reporting my payments instead they report it to credit as unavailable. They also say I only had account open XXXX years and not accurately reporting this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to follow up my previous dispute about the balance on my account related to the repossession of my vehicle. 

My vehicle was repossessed by XXXX XXXX and subsequently sold at auction. Despite this, the balance on my account remains unchanged, reflecting the original amount owed for the vehicle prior to its sale. I have not received any communication regarding the proceeds from the auction or any adjustment to the account balance to reflect these proceeds. 

I believe there has been an oversight or error in processing the proceeds from the auction sale. According to my understanding, the auction sale proceeds should be deducted from the total balance owed, and any remaining balance should be communicated to me clearly.

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 2024-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I requested a XXXX XXXX relief refund XX/XX/year>. It has now been a year and Mohela still has been giving me the run around. They keep telling me XXXX business days. I wait and call XXXX business days later and they say they have to resubmit my refund and to wait another XXXX business days. I ask for documentation and they refuse to send it. 
They are unlawfully keeping my money from being returned to me. It was submitted at the correct time. I call and get different answers every time, feels like Im being lied to just to get me off the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I would like to reopen a previous case because the issue is not resolved. 

Complaint IDXXXX I am writing in response to your recent communication regarding the lien status on my XXXX XXXX XXXX XXXX, associated with loan account ending in XXXX. I appreciate your attention to this matter but must express my continued frustration with the lack of resolution. To summarize, your correspondence indicated that despite my XXXX  XXXX Bankruptcy discharge on XX/XX/XXXX, Navy Federal retains a lien on the vehicle. However, I have been repeatedly informed by multiple Navy Federal representatives, both verbally and in writing, that no lien exists and that Navy Federal has no interest in retrieving the vehicle. Given this conflicting information, I require a clear and definitive resolution. Specifically, I request one of the following actions : Provide a Lien Release : If Navy Federal indeed has no lien on the vehicle, please provide a formal lien release document. This will enable me to clear the vehicle 's title and move forward without further issue. Provide a Letter of Non-Interest : If Navy Federal has no remaining interest or claim on the vehicle, a letter of non-interest should be issued to confirm this status officially. Arrange for Vehicle Retrieval : If, contrary to the repeated statements, Navy Federal does retain a lien and has an interest in the vehicle, please arrange for its prompt retrieval. I have invested considerable time and effort, including taking time off work, to resolve this issue through numerous phone calls and in-person visits, all documented in my phone records and correspondence. Despite being given a contact number, the assistance provided has been inadequate and has not led to a resolution. Given the significant inconvenience and stress this situation has caused, I urge you to take immediate action to rectify this matter. Please provide the requested documentation or arrange for the vehicle retrieval without further delay. I look forward to your prompt and definitive response. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: TN

Complaint narrative:
I have been attempting to cancel this account since before XX/XX/year>. This company has ignored my emails and messages in their app to cancel this app. They have charged me over {$70.00} since I began canceling this app.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that the fraudulent information on my credit report must be investigated thoroughly and removed from my credit report. I have the right to dispute fraudulent information that is a result of identity theft along with providing the necessary documentation which I have done so with this letter. I expect TRANSUNION to take this matter seriously and update me of the outcome of this dispute by sending me a copy of my credit report after this has been resolved.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Again, XXXX XXXX XXXX again forgot to report correct amount in my credit profile, thank you CFPB for not pushing them for this violation, this is shows me again that nobody is following the Low of this country, I said before and will say again, all this reports and complaints Im saving for future lawsuit to this company, I thought that everyone must follow the Law how its says in the Constitution but I was wrong, anyone can violate the law and nobody will hold them accountable. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me.

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 2024-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I replaced my HVAC in my home in XXXX of XXXX. I took out a Wells Fargo ( WF ) XXXX XXXX line of credit to pay for this. it had a special promotion of 0 % interest for 18 months. The installer showed me a figure of the total cost and monthly payments. The payments seemed a little low to me so after a month or so, I called WF to clear up the conflicting information. A representative of WF in that call told me that the minimum payment listed on the statement was adequate to fulfill the terms of the promotion. I don't think it was malicious or underhanded, I think it was a genuine mistake. But that mistake has cost me over {$4000.00} in interest charges in the last XXXX months. As an XXXX XXXX XXXX, I'm not exceptionally well off. This is a lot of money for me. 

I don't take issue with the interest they're charging me, per se. My issue is I was told ( incorrectly ) by a representative of their company that I only had to pay a certain amount per month to fulfill the terms of the promotion. I called WF and requested a refund or partial refund but they seem uncaring and unmoving, albeit kind. I'm willing to pay the interest that has accrued since the promotion has ended, but I feel duped by a WF employee into paying for the entirety of interest on the loan. I feel that my trust in WF 's institution was taken advantage of. 

I don't know what good this can do, but I hope something can come out of it. Please feel free to reach out to me for any information required. 

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I'm sorry your software makes all of the following run together. 

XXXX, XXXX- received emailed letter that my XXXX mortgage ( remaining $ XXXX ) would be transferred to Rocket Mortgage effective XX/XX/XXXX. 

XX/XX/XXXX, I started paying the loan down - they only let me transfer $ XXXX a day and I didn't make it. 

As of XX/XX/XXXX ( a Saturday ) the transfer date, I still owed $ XXXX. 

XX/XX/XXXX - tried all day to reach a human at Rocket Mortgage - I wanted to pay $ XXXX today and $ XXXX tomorrow and have the loan paid off, more or less. 

XX/XX/XXXX - finally reached a human -she said repeatedly that Rocket would not have my information, and I could not make a payment, for at least XXXX weeks. I repeated over and over that this will cost me additional interest. She denied my request to speak to a supervisor. She denied my request to make a record of my call and concern. She told me that once they get my information, I can discuss my concern about the additional interest charges. I was very polite. She was polite but was like a rock. 

Allegation : Rocket Mortgage should have ensured all records were transferred over by XX/XX/XXXX. I should not be penalized by having to pay extra interest because they can't accept a payment from me today -- that's their error, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Since XX/XX/year>, this account has been classified as charged off, with this status recurring monthly thereafter. However, it's imperative to clarify that a charged off account should not be listed as part of active payment history. This misrepresentation can significantly impact the status of limitations. Your failure to thoroughly investigate this matter constitutes a breach of my rights. Thus, I insist on the deletion of the following account : XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My Equifax credit report shows my student loan account with XXXX is marked as closed and paid off. Despite this, the amount of {$170000.00} still shows under XXXX study loan on my credit report even though it says closed and paid. 

Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : it mandates that consumer reporting agencies must report accurate information. Despite my loan being paid off and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX, XXXX, XXXX, xxx XXXX, xxxx XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15.U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-06-03 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15.U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-06-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ XXXX XXXX XXXX XXXX ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request. 
When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry. 

I am requesting that you : XXXX. Investigate this matter with the company listed above. 
XXXX. Remove the unauthorized inquiry from my credit report. 
XXXX. Provide me with written confirmation of the removal. 

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the XXXX investigation period mandated by the FCRA. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief