vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
I applied and was accepted for a milestone credit card in XXXX of 2023. Once I received and activated the card over the phone, I began using it. I quickly noticed that it was almost impossible to pay your bill in an efficient manner unless you called on the phone. I would call repeatedly and no one would ever answer the phone. I tried paying online and was promptly locked out of my account and because they don't answer their phones I have not been able to ever get my account unlocked. I even mailed a check to the address that they provided in their information pamphlet when the card arrived. The check was returned. It turns out that this company was purchased by another company somewhere along the way and I was never informed about this transition or given the information needed to contact the business in order to get my financials where they need to be. Now I have a negative hit to my credit because this company did not clearly state or provide a convenient way for their consumers to pay their bill. I would be happy to settle my bill in exchange for the negative non-payment notices to be taken off my credit report and the absurd amount of what I assume are late payment fees to be removed as well. This is not trustworthy of them to do to their customers. I have worked hard to improve my credit over the last XXXX years and this credit card has single handedly tanked it yet again. I will be hiring an attorney if this can not be disputed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CO

Complaint narrative:
I have recently tried to pay my student load to Mohela several times. Once over the phone and twice on their website. Each time I try I get an email stating that my financial institution has rejected my payment. I have contacted XXXX XXXX each time and they have told me that Mohela has not tried to pull the funds. I have had sufficient funds in my account each time. The dates and amounts are listed below. 

XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$410.00} XX/XX/XXXX : {$410.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Portfolio Management sent me a letter back on XX/XX/2024 threatening to repossess the vehicle. Meanwhile Westlake Portfolio Management can not Validate the debt at this time according to Westlake Portfolio Management. A Cease and desist was placed on the account. Westlake Portfolio Management are still adding fees, falsely stating that a confirmation number given to me is my previous account number when it is not, and also making negative remarks on my credit report. Meanwhile, Westlake Portfolio Management can not provide Validation at this time. It's been more than 30-45 days now. Send Validation of debt and the correct account number. Until then, since a cease and desist is in place by Westlake Portfolio Management, no remarks or inaccurate reports should be placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: PR

Complaint narrative:
Incorrect information 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 2024-02-20 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: IL

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
There is a bankruptcy reporting on my account that does not belong to me. Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Liability Amount : UNKNOWN Please REMOVE it from my credit report IMMEDIATELY! Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: IL

Complaint narrative:
I have provided the necessary documents and information to Trans Union and XXXX XXXX regarding an unauthorized account reporting on my credit file. Trans Union and XXXX XXXX still has yet to provide me with the requested 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 non-monetary relief
Consumer complaint received 2024-02-20 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 am writing to escalate my ongoing concerns regarding the discrepancies persisting within my credit report, as previously discussed via the Consumer Financial Protection Bureau ( CFPB ). It is with deep consternation that I continue to encounter unfamiliar entries on my report, signaling a fundamental issue that demands immediate rectification.

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 2024-02-20 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: IL

Complaint narrative:
Under 605B, this account must be removed ASAP. I'm really mad that it's showing up on my credit record when it's not even my account. Its presence has upset me, and I feel sick because of this situation

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 2024-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a call this morning. The call ( per my approval ) was recorded and will show that I was advised Wells Fargo will not revisit this matter. If I have concerns or questions, they must be taken up with the new loan Servicer. This is just proof to me than Wells Fargo offloaded this loan and refuse to answer any of my concerns such as how my XXXX XXXX backed loan was transferred to the new servicer as a XXXX LOAN. They did not tell me how this loan, solely held in my deceased husbands name did not get a new account number when I took it over. They did not answer why additional loan documents allegedly signed by me several weeks after XX/XX/XXXX were scanned in with the package of documents I did sign, intermingled as if it were all a part of the original package. These additional documents were not signed by me, or signed with a notary public present, yet added to the package. They still have not answered why a REMEDIATION Check was sent to The XXXX XXXX in XXXX in regards to this loan for {$1600.00} and no explanation ever given as to why. No mediation opportunity was ever offered. Not addressed at all. 

This needs to be revisited as there are inconsistencies with their response and lack there of. Please review the recording as I felt threatened when told more than once, they will not revisit my legitimate concerns and if I have any more questions, contact the new Servicer. What legitimate and ethical business practice is this? The Originated, Modified and had this loan on their books for almost 20 years. 

They know there is trouble with their loan documents regarding this situation and are hoping I give up fighting for my rights. They must address every inconsistency and concern.

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 2024-02-20 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: AL

Complaint narrative:
Upon checking my credit report and emails I seen that my credit report was pulled for a personal loan adding an Inquiry from XXXX XXXX on XX/XX/XXXX. This was not done by me. This is an unauthorized inquiry. 

The following inquiry is XXXX XXXX XX/XX/XXXXXXXX  This was not done 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 2024-02-20 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-20 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have a credit card account with Bank of America. I had signed up for autopay. In the XXXX statement, I was charged a late fee on my account. The fee was repeated in XXXX and in XXXX. 

After the first alert, I called the bank and set up autopay again via phone. This call was on a recorded line and occurred between in XXXX and XXXX ( I do not recall the specific date ). Although the representative confirmed that the autopay was set up, it would seem that the autopay still did not go through and I was again charged late fees and the bank ended up reporting my account as past due to XXXX. 

When I found out about the report, I contacted the bank in XXXX to ask why late fees had been charged on my account since I had signed up for autopay. 

The bank notified me that due to an error in their system, my autopay did not go through and hence payments were not being made. Because this was caused by an error in their system, the Bank refunded me the late fees for all three months. I then requested that the bank remove the past due report they reported to XXXX. 

After reviewing my request, the bank declined to remove the report claiming that the reporting was accurate. But by their own admission and the fact that they refunded me the late fees, the bank admits that my account became past due as a result of a glitch in the bank 's autopay system. As such, their reporting on my credit is inaccurate because it was not my fault that the account became past due.

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 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I deposited {$3000.00} in cash ( in all brand new {$50.00} bills ; the bills were sticking together ) at a USAA ATM ( XXXX XXXX XXXX XXXX, XXXX, VA ; ATM # XXXX ) but only received credit for {$1600.00}. USAA has been unhelpful. Case # XXXX. Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I called Capital One Credit Card Company and complained of fraud on a few purchases under my card name that posted on XX/XX/2023. They said they would look into it and in the time being, would suspend my account. I was fine with this since I didn't want anyone unauthorized to make charges on my account. I paid off my account to a {$0.00} balance until we figured out next steps. I have a business credit card with Capital One and upon logging on to the app and paying off that account, I saw my other credit card account had been closed. They took the account from suspended to closed and in doing so, said they couldn't reopen the account. In making this decision, I was left without the {$3500.00} in credit card points. They said they sent me a letter through the app, although I never saw it. I checked after hearing this and the only letter available was the letter stating they had closed it because they had not heard from me. If I had maintained a balance, they would not have closed it. They closed it because I had almost XXXX points that I could redeem. They saw and opportunity and took it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: NV

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name.

15 U.S. Code and 1681c-2 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. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-02-21 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:
Two of my credit reports include incorrect information related to my student loans. My student loans were transferred from the Department of Education to XXXX in XX/XX/2023. However, two of my reports ( XXXX, XXXX  XXXX XXXX, and Experian ) continue to report an open balance of {$83000.00} with the Department of Education. 

This is harming my ability to get loans and 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