vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
The complaint seeks monetary compensation. Attached is evidence that Celtic Bank through its affiliate Continental Finance intentionally generates bogus charges on both of my Celtic Bank credit card accounts. These charges grossly exceed the Military Lending Act of a MAPR of 36 % I have incurred significant financial losses because of this illegal conduct. As described in 10 USC 987, I am seeking restitution to cover my Losses 1. Acct # ending in XXXX XXXX credit cards 2. Acct # ending in XXXX XXXX credit card To protect our active-duty service members and their families, Congress declared that any violation of the XXXX renders that loan void from inception. 10 U.S.C. 987 ( f ) ( 3 ).

Accordingly, all of Agreements to a covered members that contain an MAPR that exceeds 36 percent are void, must be rescinded with restitution paid for all amounts.

I discovered that two credit cards provided to me by Celtic Bank violates The Military Lending Act, 10 U.S.C. 987, and the company refuses to address the matter in accordance with 10 USC 987. The law and statute were not followed by Celtic Bank through their affiliate Continental Finance. I am protected from predatory lending by Celtic Bank because of my borrower status under the Military Lending Act. 
All Active-duty service members and their dependents are Covered Borrowers as defined by 32 C.F.R. 232.3 ( g ) ( 1 ).

I allege Celtic Bank violates the MLA in at least six ( 2 ) separate ways : ( 1 ) Surpassing the 36 % Military Annual Percentage Rate ( MAPR ) statutory rate cap.

( 2 ) Non-compliance with MLA disclosure requirements.

Celtic Bank refusal to adhere to current law and statute, regarding this matter requires Celtics Bank immediate attention. As an internal remedy I request the deletion of the legally voided account from my credit report, the voiding of the contract, and the immediate return of all payments made to Celtic Bank, pursuant to 10 USC 987.

By suppressing the MLA 36 % cap, Celtic Bank has violated the MLA by not incorrectly including fees in its APR and surprising payment that generate an MAPR exceeding 90 %.

Celtic Bank combined made restitution for {$1300.00}. See attached statements.

Celtic Bank is required by 10 USC 987 to make restitution by refunding all payments made against the voided accounts and void the contract in their inception.

Celtic Bank is required by statue to make restitution for all payments made on a voided contract.

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 2025-01-13 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: FL

Complaint narrative:
While studying abroad my identity was compromised and used to open multiple lines of credit at multiple car dealerships and banks throughout the south and central Florida region. I have since contacted the credit furnishers and opened investigations with 2 police departments regarding the identity theft. Aside of the accounts being fraudulently on my report I have also noticed some of the debts not only violate the FCRA but also the laws and guidelines of the IRS. Some of the debts are profit loss charge offs that I've never received a 1099c for and remain on my credit file at full balance after being compensated for losses by the irs

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 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX I received a check from Wells Fargo ( WF ) in the amount of {$200.00}. I have not done business with this bank for 15 years. The reason for the check was " During a review of the account, we identified that when the loan was considered for payment assistance options, an error may have occurred. As a result we are enclosing a check for {$200.00}. '' I was insulted. fifteen years ago WF made my life XXXX as I attempted to obtain a loan modification when the Banks failed. I then researched why this may have occurred and discovered the lawsuit between CFPB and WF. I originally filed a complaint asking CFPB to assist me in finding out why I was not included. I attached supportive documentation with my claim. I did not cash the check for months. WF responded to my complaint ( XX/XX/XXXX ) claiming their actions " did not cause or contribute to any foreclosure activity or further delinquency on the account. I did not understand that I only had 60 days to respond and in fact sent my response to CFPB to an incorrect address. 
I heard nothing back until I called CFPB and spoke to XXXX who informed me my case was closed. 
After denying any wrongdoing imagine my surprise when again " out of the blue '' I received another check form WF dated XX/XX/XXXX, in the amount of {$3700.00}. This time claiming " We identified that an error may have occurred related to your approved and finalized loan modification. This money after denying any wrongdoing in letter received XX/XX/XXXX. 
My statement is the WF purposely prevented me from obtaining a loan modification. Foreclosed on my home while I was in a Forbearance agreement forcing me to file XXXX XXXX to save it. Over the years the reason they have denied me remediation is that I filed XXXX XXXX yet they forced me into it. They had problems in their software, incorrectly credited my payments stating I was in arrears, continued to pursue foreclosure even after a loan modification was in place. Additionally they claimed because my loan was in a Private Trust backed by securities I was not eligible for a loan modification. I signed an agreement with WF for the mortgage not a Private Trust. It is my belief this was financially advantageous to WF. Thank you for your kind regard. 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 2025-01-13 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: VA

Complaint narrative:
Experian is reporting a collections account on my credit file. I have reported this account as invalid, inaccurate and a mistake that should not be on my credit report. Experian has claimed they've investigated the reported information and found it to be accurate. On XX/XX/year>, I sent a letter to Experian challenging their dispute results and requesting a detailed description of the method of verification used to validate the reported information as required by Section 168i ( a ) ( 6 ) of the Fair Credit Reporting Act. Experian did not provide this information and it has now been 30 days.

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 2025-01-13 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: KS

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX ID TYPE : identification ID # : XXXX Address : XXXX XXXX XXXX XXXX ks XXXX I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my Equifax Consumer report. I have NEVER requested credit from the following accounts : XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX. 
XXXX : XXXX XXXX, XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Equifax report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The inquiries from XXXX XXXX XXXX : XX/XX/XXXX and XXXX XXXX  XXXX : XX/XX/XXXX are unauthorized and appear to be fraudulent. I kindly request that these inquiries be removed from my Transunion account.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BOEING EMPLOYEES' CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Date : XX/XX/XXXX Boeing Employees Credit Union XXXX XXXX XXXX XXXX, WA XXXX Subject : Formal Request for Immediate Removal of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the reporting of my account ( # XXXX ) to the credit bureaus. The information being reported is both inaccurate and incomplete, in direct violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies have caused significant harm to my creditworthiness and must be addressed immediately. 
Details of the Inaccuracies Premature Charge-Off Reporting : The account was reported as " charged off '' after only 60 days of delinquency, which is a clear deviation from standard industry practices and federal guidelines requiring at least 180 days of non-payment before a charge-off can occur. 
Inaccurate Balance and Charge-Off Amounts : The reported balance of {$7300.00} and charge-off amount of {$6400.00} are incorrect and do not reflect the payments I have made since XX/XX/XXXX. These figures fail to align with my account 's actual activity, violating FCRA Section 623 ( a ) ( 1 ) ( A ), which requires data furnishers to report accurate and complete information.

Failure to Update Payment Records : the XXXX XXXXXXXX paymen quiry. This is on to poom amanuary ot get as paymen are not elected in impression of my account status. 
Harm Caused The premature charan at a mi or all sere, inurang y abity to aces tinancial opportunities. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of credi reporting. 
Requested Resolution Supporting Documentation To support my dispute, I have included : XXXX payments made sine XXXX XXXX account. 
Conclusion Boeing Employees Credit Union has failed to comply with its obligations under the FCRA, and I am requesting swift action to resolve this matter. The immediate removal of this account from my credit report is the only appropriate resolution given the circumstances. 
If additional information is needed, I can be reached at XXXX or XXXX. XXXX forward to your prompt response and resolution of this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: MD

Complaint narrative:
Earnin the worse money app ever. I specifically informed earnin I would be getting paid after the new year XX/XX/year> earnin went into my account 2x without my consent causing me a {$60.00} return fee. So now Im filing bankruptcy and earnin is prohibited from going into my account to withdraw any fund. Its the holiday you would think earnin would have better sense and withdraw the funds after the holidays closing account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I would like capital one bank to remove the late payments off my credit report from dates of XX/XX/year> to current date. Due to me being on medical leave since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
I have several complaints and in light of the DOJ suing Experian it explains why I have not received a fair resolution.

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 2025-01-13 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: GA

Complaint narrative:
I am writing to file a formal complaint against the major credit reporting agencies ( XXXX, XXXX, and XXXX ) for their failure to remove negative information from my credit report after being notified that my personal information was compromised in a significant data breach. 
Description of the Issue : My personal information was exposed by a malicious actor gaining access to National Public Data systems and releasing data onto the dark web, primarily occurring between XXXX and summer of XXXX  resulting in a National Data Breach that affected millions of consumers as well as myself.. 
Ive sent formal written notification to all three credit bureaus informing them of this breach and requesting the removal of negative information potentially resulting from this compromise. 
As of today 's date, the credit bureaus have failed to take appropriate action to remove this information, despite their obligation to ensure accuracy in credit reporting under the Fair Credit Reporting Act ( FCPA ).

Specific Actions Taken : Sent notification letters via certified mail/return receipt Received confirmation of delivery Followed up with the credit bureaus Reviewed my credit reports and found the disputed information is still present Impact of Their Inaction : negative impacts denied credit with companies I do not do business with Declines in my credit score Charge-offs that Inconsistent reporting statements Reporting Errors across each bureau Requested Resolution : Immediate removal of all negative information potentially connected to the data breach Investigation into why proper action wasn't taken after initial notification Correction of all affected credit reports Compensation for any damages incurred due to their negligence I request that the CFPB investigate this matter and ensure the credit reporting agencies fulfill their obligations under the FCRA. Their failure to act has caused significant harm to my financial standing and creditworthiness.

Thank you for your attention to this matter. I look forward to hearing back from you.

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 2025-01-13 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: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to file a formal complaint against the major credit reporting agencies ( XXXX, XXXX, and LexisNexis ) for their failure to remove negative information from my credit report after being notified that my personal information was compromised in a significant data breach. 
Description of the Issue : My personal information was exposed by a malicious actor gaining access to National Public Data systems and releasing data onto the dark web, primarily occurring between XXXX and summer of XXXX resulting in a National Data Breach that affected millions of consumers as well as myself.. 
Ive sent formal written notification to all three credit bureaus informing them of this breach and requesting the removal of negative information potentially resulting from this compromise. 
As of today 's date, the credit bureaus have failed to take appropriate action to remove this information, despite their obligation to ensure accuracy in credit reporting under the Fair Credit Reporting Act ( FCPA ). 
Specific Actions Taken : Sent notification letters via certified mail/return receipt Received confirmation of delivery Followed up with the credit bureaus Reviewed my credit reports and found the disputed information is still present Impact of Their Inaction : negative impacts denied credit with companies I do not do business with Declines in my credit score Charge-offs that Inconsistent reporting statements Reporting Errors across each bureau Requested Resolution : Immediate removal of all negative information potentially connected to the data breach Investigation into why proper action wasn't taken after initial notification Correction of all affected credit reports Compensation for any damages incurred due to their negligence I request that the CFPB investigate this matter and ensure the credit reporting agencies fulfill their obligations under the FCRA. Their failure to act has caused significant harm to my financial standing and creditworthiness. 
Thank you for your attention to this matter. I look forward to hearing back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It refuses to delete outdated addresses, phone numbers, and other information.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It refuses to delete outdated addresses, phone numbers, and other information.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a charge of still reporting on my credit. 
I had a misinformation on my credit report I disputed it and its coming back verified as correct. The statute of limitations has already past the XXXX yr mark and the debt remains on my credit report. I need you to remove any negative items on my credit report 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