vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
As an XXXX XXXX servicemember, I move back and forth, I bought my car in Washington XXXX from XXXX XXXX with XXXX XXXX XXXX as the financial institution. I received a lower rate with Navy Federal Credit Union and switched my loan over to them. I received a notification from XXXX XXXX to change my title for them to be the first lienholder otherwise I will be penalized via my interest rate increasing and my loan possibly being converted to an unsecured personal loan, after signing my contract as a secured or collateralized loan rate. I continue to hold my title and registration in Washington state which is a title theory state, which means that the lienholder is listed as the primary owner on the title until the loan is paid off. They refuse to accept my title as is and have increased my interest rate to 15 %! Sadly, this has been happening to many servicemembers, not myself. I request XXXX XXXX reset my interest rate to the original rate per my contract at 5.54 % and reimburse me the additional costs from the interest rate added.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I made a purchase using Affirm 's installment plan with a merchant called XXXX XXXX. This merchant is a scam and predatory, they are charging me a 20 % restocking fee that was not stated in their return policy for a return claiming that it was past the XXXX drop off window which is also not in their return policy. Their return policy only states the return must be initiated within XXXX  days of delivery. I initiated my return within XXXX  day of delivery and dropped off the return within XXXX  days - I provided a receipt. So on both accounts I am within the return window. They are purposely misleading customers by stating the XXXX  day window is to initiate the return and then enforcing a XXXX  day return window for dropping off the package in order to get back the merchandise and still keep 20 %. The 20 % restocking fee was not in their return policy, I have screenshots of this, and only after I created a dispute and called out the merchant on this, they then added a section about restocking fees to their website. I have reopened the case multiple times with affirm to protect my purchase, each time they rule in the merchants favor only stating that the merchant is acting within their return policy which simply isn't true. They are also not providing me with the " evidence '' the merchant has provided. 

Date of Purchase : XX/XX/year> Date of Delivery : XX/XX/year> Date of Initiating Return : XX/XX/year> Date of Return Drop Off : XX/XX/year> Date Restocking Fee Charged : XX/XX/year> Date of First Dispute : XX/XX/year> Date of First Dispute Closed : XX/XX/year> Date of Second Dispute : XX/XX/year> Date of Second Dispute Closed : XX/XX/year> Date of Third Dispute : XX/XX/year> Date of Third Dispute Closed : XX/XX/year> Date of Fourth Dispute : XX/XX/year> Date of Fourth Dispute Closed : XX/XX/year> Date of Fifth Dispute : XX/XX/year> Date of Fifth Dispute Closed : XX/XX/year> Date of Sixth Dispute : XX/XX/year> Date of Sixth Dispute Closed : XX/XX/year> Date of Current Dispute Escalation : XX/XX/year> Dispute Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-16 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: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally report a discriminatory delay in accessing my XXXX XXXX account, which hinders my ability to set up and manage automatic payments, ensuring timely payments. 

On XX/XX/year>, I was approved for {$4900.00} through XXXX XXXX, a " Buy Now, Pay Later '' service, to cover my purchase totaling just over {$4800.00}. I promptly received an email ( attached ) with instructions on how to access and manage my account. However, I have been consistently denied the ability to set up and manage my online account. 

The issue appears to stem from the verification process required by XXXX. When entering my U.S. cell phone numberone I have used without issue for years and which I also use to access another Citibank credit accountthe system fails to respond. Despite this, Citis representatives, including their Executive Response Unit, insist that the verification process may take up to XXXX  days to complete, leaving me unable to access and manage my account during this period. 

In an effort to resolve the issue, a representative mailed me a one-time passcode, which I verified promptly. However, even after a week, I still can not register for online account access. This excessive delay is not only unacceptable and discriminatory but also raises concerns about potential predatory practices. I believe this XXXX delay is intentionally designed to increase the likelihood of customers defaulting on payments, allowing XXXX to charge additional fees and damage credit scores. In today 's digital age, online account access and autopay are standard practices for making payments. 

I kindly request your assistance in addressing this matter to ensure XXXX XXXX provides timely and equitable account access to all consumers. 
Thank you for your attention to this issue. 

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
Consumer complaint received 2024-12-17 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This isXXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a settlement check for {$500.00} from a law office again Wells Fargo Home Mortgage. I deposited that check into my account that I share with my mother. On XX/XX/XXXX, I received a monthly deposit in the form of check XXXX from the rental agency that has managed my rental property for going on 2 years. Wells Fargo at first gave me access to which I started paying bills, then they took access away, and I became severely negative at least XXXX negative. My part time job check hit my account for XXXX and it was unusable because it was absorbed into that negative. I called Wells Fargo many times and they said they would not release the funds from the check to me until XX/XX/XXXX. I work XXXX jobs and have not had access to my money and my XXXX XXXX XXXX dad had to loan me cash to buy my babys diapers. So embarrassing. I am a Wells Fargo customer for more than XXXX decades and a mortgage holder. They charged me XXXX overdraft and are now saying tomorrow I will get more fees because they released the money to me at first to pay bills but took it back. This is no fault of my own. I am a mortgage holder and this has made me late to pay my Wells Fargo mortgage to which they will also assess me a late fee. This has called so much distress for me and my family and my senior parents during this holiday time and inflation times. Please help. This feels like retaliation from depositing the lawyers check in my account against them.

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 2024-12-16 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: GA

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
Dear EXETER FINANCE LLCXXXX, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : EXETER FINANCE LLCXXXX XXXX XX/XX/XXXX, XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within XXXX days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same XXXX timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: GA

Complaint narrative:
I am writing to formally file a complaint against First Progress regarding its failure to return my security deposit. My account was closed on XX/XX/2024, yet I have not received the deposit used to open my account. 

I have repeatedly contacted First Progress to resolve this matter, but I have been met with conflicting information and unfulfilled promises. Specifically : I have been given several different dates by First Progress representatives on when to expect the refund check, none of which have been accurate. 
I have been told conflicting policies on how the refund process works, leaving me unable to understand the legitimate reason for the delay. 
I believe I have been misled about the companys procedures for returning funds, as none of the explanations provided align with the original terms of the account agreement. 
As of today, it has been over XXXX months since my account was closed, and I am still without my deposit. I believe this delay and lack of transparency are unacceptable. 

I am requesting the immediate issuance of my refund and a clear explanation of why this matter has taken so long to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX FIN Date Opened XX/XX/XXXX Balance {$2700.00} **Inquiries** XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  ( XXXX  ) XX/XX/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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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