vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: PA

Complaint narrative:
I was denied credit by XXXX XXXX. I previously disputed the XXXX XXXX  account in my consumer file and Equifax failed to perform a reasonable investigation. There are XXXX  months of missing payment history reporting. WHo verified an incomplete report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I request that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

I received a notice from Calvary stating their intention to garnish my wages. This came as a surprise to me as I have no outstanding debts or obligations to this company Prior to receiving this notice, I had not received any correspondence or communication from Calvary regarding any alleged debt, past due payments, or any other matter that could warrant wage garnishment. There was no opportunity for me to resolve any issues or dispute the claim before they took this drastic action.

According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide written verification of the debt upon request. I have not received any such verification from Calvary.

By attempting to garnish my wages without providing proper verification of the debt and without giving me an opportunity to dispute the claim, Calvary has violated my rights as a consumer. This has caused unnecessary stress and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: SC

Complaint narrative:
In accordance with the Fair Credit reporting Act this creditor has violated my rights under 15 USC1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ) section 604 a section 2 ( it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. Yet my XXXX XXXX  and my Dept of Education accounts reports as late on Experian multiple times. XXXX, XXXX XXXX and XXXX XXXX show late payments but are closed accounts Please remove this incorrect information from 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 explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
On XX/XX/2023, I initiated a bank-to-bank transfer from my XXXX XXXX  account of XXXX XXXX dollars to my Bethpage Account which I have done numerous times in the past. The receiving bank Bethpage says they never received the funds. However, XXXX has sent me all the confirmation transaction information. I have been on the phone with XXXX and Bethpage for the last XXXX XXXX months with multiple calls between the two and up to now Bethpage won't take responsibility, but their customer service department is way above chase. I only interact with one person at Bethpage. That part I am grateful for. Bethpage claims they never received it and its XXXX fault. While XXXX claims they did send because they debited my account and have proof. That doesn't help me since I am still out my XXXX XXXX dollars and unable to pay my mortgage.

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 2024-01-08 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:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from 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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Milestone Mastercard brought on by the XXXX XXXX XXXX continues to send me advertisement mail regarding opening a credit card line. This has been persistent for about several weeks and quite annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO

Complaint narrative:
Payoff of the mortgage amount was made XXXX XXXX, XXXX. Taxes and insurance on the property were escrowed. In the settlement statement escrow balances were omitted from the statement. On XX/XX/XXXX, we paid directly the real estate taxes of {$11000.00}. Mortgage company had not sent escrow statements or calculations for several years. In addition, we had never received account statements for several years. These were requested multiple times over this several years. Without response. Statements were not available for our account or escrow account online. However monthly we had made our payments timely online. We had hired a law office XX/XX/XXXX of XXXX  as the mortgage servicing company Bayview loan servicing which became Community loan servicing in Florida, would never respond to any types of communication although communication to the loan servicing entities had been constant and consistent. For many years we had continued problems with the loan servicing company of various types. According to our attorney, The loan servicing company had violated several state and federal laws. Eventually, we paid off the loan which unfortunately cured much of the loan servicing company 's violations. The last matter became the escrow accounts which they refused to communicate upon. At this time we hope that your communication will accomplish a response with regard to what we believe is a XXXX to {$15000.00} matter in escrow that no accounting was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
Umpqua Bank gave away my SSN in a data breach. I wanted to stop working with the bank. 

I went into a branch, requested a payoff amount for my HELOC of ~ {$80000.00}, and paid the amount in full at the branch. I was told that this would close my account. Then six months later in XXXX, I get a bill in the mail saying I owe {$75.00}, and that the account is still open. I contacted Umpqua. 

My credit report reflects this event as the loan being PAID IN FULL, then a few months later, says DORMANT ACTIVITY and now in XXXX says LATE PAYMENT. I called to dispute this and figure out why my account is still open. That dispute is still active. Meanwhile, though I completely disagree with the {$75.00} fee, I have paid it. 

The problem is that in the branch, I was told this account was paid off and closed. I was outright lied to by Umpqua. In fairness, the folks at the branch kept saying that the payoff process had changed, and seemed to be grappling with new instructions on what to do. Even so, I came in and paid off the $ XXXX note intending to pay it off, and now Umpqua is destroying my credit over a {$75.00} fee I never knew about until it was already late. 

They breach my data. They hold the account open after telling me it is closed. They pound me with minor fees they don't communicate, and then destroy my credit ... over {$75.00}. This is an awful bank to work with and they keep giving me the run around. The last person I spoke to said that the " Fair Lending Act '' legally prevents them from waiving any fees, and refused to help other than saying " you signed the terms and conditions, you knew. '' Excuse me, I did NOT know they were going to give away my private information forever. I did NOT know I would receive fees after they TOLD ME my account was closed. I did NOT know my credit score would be ruined over this. This is a very anti-consumer position that the bank is taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: FL

Complaint narrative:
On XX/XX/23 I sent a letter disputing inaccuracies on my credit report. I sent another one on XX/XX/23. Both times I either received no response or a postcard/letter saying that it looked like I was using a credit repair agency to help me, which I guess was there way of buying time by " responding. '' Since over 60 days has passed without any investigation into these accuracies, I DEMAND that, per the law, all of these negative accounts be removed from my credit report. I have also filed a report with the FTC and the XXXX. Please resolve this immediately. It is affecting my ability to get a car and costing me a lot of money in interest charges.

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 2024-01-08 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: CA

Complaint narrative:
i checked my credit the other day and i seen that i had 1 fraudulent collection on my credit.

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 2024-01-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
i checked my credit the other day and i seen that i had 1 fraudulent collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My account has been permanently limited. The customer service gave me the reason it is limited and it is a mistake, not on my part, and they will not correct it. I collected {$30.00} from XXXX people to purchase a dinner gift card for a coworker who broke his arms. Two of the people checked that the funds were for goods and services, they were supposed to check it was for a friend. They checked goods and services since I was going to buy the gift card.

You can see in the attached the two people who selected goods and services incurred a small charge and the one that did not was not charged. PayPal thought I was conducting business and trying to get away with not paying business markups. 

Customer service will not let me talk to the people doing the review when it was done wrong, they will not let me put in a written request for a review they are just telling me I can never use Paypal again.

The PayPal account is under XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: MD

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was charged a {$10.00} cash advance fee for an online purchase ( charitable donation ). Wells Fargo refused to refund me and recommended that I ask every single merchant how they process their transactions before submitting one.

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 2024-01-08 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: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient is a student loan servicer and reported an inaccurate report to all the credit bureaus of late payment. I submitted a forbearance request, and they submitted a false report indicating they contacted me via mail. The mailing address was inaccurate therefore no notice was communicated timely. I requested the servicer to remove report, because they failed to contact me of any questions about a payment but they declined with the same inaccurate address on their records. This is disturbing and needs to be addressed as a legitimate agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
Creditor XXXX reporting inaccurately with a XX/XX/ late payment. Per Creditor XXXX representative this inaccuracy will be updated to paid as agreed/ no late payment. Indigo representative states the system did not post payment correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I am writing to dispute and bring to your attention what appears to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. My concern pertains to my credit utilization.

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. Upon reviewing my credit report, it seems that my credit scoring may fall within this exclusion.

Additionally, 15 U.S. Code 1681a ( 3 ) states that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer, except as provided in section 1681g ( a ) ( 5 ) of this title. I would appreciate clarification on the procedures followed in relation to inquiries on my credit report.

To assist in your investigation, I have enclosed a copy of my credit report highlighting the relevant information and discrepancies. I kindly request that you conduct a thorough review of the matter and provide a written response within the time frame specified by the FCRA.

If it is determined that there has been a violation, I request that the necessary corrections be made promptly to ensure the accuracy of my credit report. Additionally, please provide me with information on the steps taken to prevent similar occurrences in the future.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Per 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-01-08 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
My identity has been compromised. Accounts have been opened that were NOT completed by me. I have also found that my identity has been sold on the black market on a site XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
SENT A CERTIFIED LETTER TO CREDIT BUREAU TO CORRECT MY NAME, ADDRESS AND PHONE NUMBER. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2024-01-08 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: GA

Complaint narrative:
I have two student loans for the same amount at two different companies for the same loan. The loan was transferred to XXXX  the US Department of education still reported the same loan with late payments for 4 months. This I effecting my approval ratings because the system rejects the reports because it looks like have late payments on my credit report. And remove all of the fraudulent inquiries

Company response to consumer: Closed with explanation