vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have been with America First Credit Union for several years. I have always paid my balances on time. On XX/XX/XXXX I used their app to pay off my credit card balance. However, their limit was {$2500.00}. My balance was {$4900.00} so I made the {$2500.00} payment and called the very next day and spoke with XXXX. I told her there was a limit and I wanted to pay off my credit card balance but the app wouldnt allow it. She said she would take the remaining balance payment over the phone and waive the fee. Everything was great until I looked at my XXXX statement and I saw she did NOT take the authorized amount of {$2400.00}. Instead she processed XXXX. I did not authorize this nor was this the correct balance. I immediately called and spoke with XXXX. She corrected the situation by providing a XXXX credit to my checking. When asked about the interest fees she stated on a recorded line that because payment want in full I was assessed interest. I explained to her what had happened and asked for them to waive it because of THEIR limits. She could not. She transferred me to XXXX who wasnt able to help either. Finally I get another supervisor who said shed try to make an exception and would call me back. She called me back shortly after we hung up and said they couldnt waive the fees but recommended I pay earlier than my due date. This is unacceptable and honestly quite scandalous. I paid my balance on XX/XX/XXXX and XX/XX/XXXX. I shouldnt be charged frivolous interest on XXXX for a zero balance. I request the interest be removed and my account balance brought to zero as intended by my on time payments. Thank you in advance for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
I did not authorize these investigations in my credit report that have the dates marked. 

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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Vengroff Williams, Inc
State: IN

Complaint narrative:
On XX/XX/2023 I realized I was a victim of Identity Theft, after I received a XXXX XXXX credit card and a bill from XXXX for two new XXXX both of which I did not apply for. 
I had completed all steps to get those items handled, filed a police report, filed a FTC Report, froze my credit, etc. 
On XX/XX/2023 I received a letter in the mail from the debt collector Vengroff Williams who was trying to collect {$760.00} for a XXXX transaction. After contacting the debt collector I found out the transaction was completed at XXXX XXXX, which is located at XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. The XXXX employee informed me that in addition to my name on the contract for the XXXX rental two additional names had been added to the contract. Unfortunately XXXX would not provide me with the two additional contacts listed on the rental. The contract number is XXXX. The XXXX had been picked up from XXXX XXXX on Thursday XX/XX/2023 at XXXX XXXX and had been dropped back off on XX/XX/2023 at XXXX XXXX. The pickup date was prior to when I first filed my initial report. The original cost for the XXXX rental had been {$210.00}. 
The original police report has been updated and both Vengroff Williams and XXXX have been contacted and appropriate steps are being taken to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I have had a credit card from Juniper Bank ( Barclays ) for over 10 years - account ending in XXXX. I was cut off from being able to make payments on line. I called repeatedly to get that function reimplemented so I could pay my bill and was told it could not be done. This caused me to fall behind ( it took them two months for them to determine it was not an IT issue but rather company policy ). Additionally, I received a letter in XXXX of XXXX stating that my account was sold to another bank. In XXXX, I was informed that Juniper still held the balance to my account and I was reported late paying as a result. I was than introduced to the possibility of settling. I called multiple times to arrange a settlement and arrived on an agreement which both sides agreeing. I received written confirmation from the credit card in the form of a letter dated XX/XX/XXXX which stated that I had until XX/XX/XXXX to pay the settlement amount of {$2200.00}. Two weeks prior to the deadline ( 2 weeks after the receipt of the letter ), I called the XXXX number to pay the settled account but was referred to a collection agency. I have a letter in writing offereing the agreement- an agreement I am on record accepting, yet immediately after, I am forwarded to a collection agency with them not honoring our written agreement. 

I would like my account removed from collections and our agreed upon settlement amount honored. I have no desire to use the card ( it was closed ) but I would like the derogotory comments removed 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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute on XX/XX/23 for the tradeline XXXX XXXX XXXX XXXX. I received a letter after I filed this dispute from the company after reaching out to them and the letter states they will remove this tradeline within 45 days. I don't have 45 days to wait because I'm looking to buy a house. I have attached the letter from them and highlighted the paragraph toward the end of the letter that states this tradeline will be removed. Can you please removed the tradeline per this letter as soon as possible please? Thank 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 non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. 
XXXX XXXX and XXXX XXXX  XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date DC 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 non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. 
XXXX XXXX and XXXX XXXX  XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date DC XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
In early XXXX of 2023, I made an attempt to use my Torrid store card, only to find that it was not functioning. Surprisingly, my card had a XXXX balance and had remained unused since XX/XX/2023. Seeking answers, I reached out to Comenity bank via phone, where I was informed that my card had been locked due to inactivity. To reinstate it, they required a credit check. However, when asked if I wanted to proceed with the credit check, I politely declined. The call ended without any further action. 

Feeling perplexed, on XX/XX/2023, I decided to contact Comenity bank once again, this time through their website 's mail service. I wanted to understand why my card was still not functioning despite having available funds. To my surprise, I received a message stating that they had conducted another credit check without my consent. They assured me that a letter regarding my account would be sent to me via mail. 

Today, on XX/XX/2023, I reached out to Comenity bank once more, seeking clarification. To my dismay, I was informed that indeed, Comenity had pulled my credit report without my consent. This unauthorized action is clearly fraudulent, and I am now reporting these transactions accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: NJ

Complaint narrative:
On XX/XX/2022 I went to the ATM in XXXX, New Jersey XXXX XXXX  to withdrawal {$270.00} from my daughter monthly XXXX XXXX  card on that day. Then I realize that the ATM wasn't letting me proceed with my transaction due to insufficient funds. So I was confused because I knew that day funds will be available. I then check my account balance and realized that my money was missing in my account. I was very confused and immediately reached out to the fraud department to report a transaction dispute with a claim. I literally mentioned to the representative that I'm confused on how transaction occur because my card was home with me at the time and date and I clearly didn't make this transaction. I also been told after I filed a police report and submitted my claim and did everything I need to do that there's was nothing they cant do to help me they denied my claim. My daughter bank is with Direct express. They kept denying my claim. So I then decided to do my own investigation to see who can help me in this matter because I never received my money back as of yet. I reached out to XXXX  and they stated for me to reach out to you guys for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, I detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : WELLS FARGO DEALER S ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. 

I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from 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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have made several disputes with Experian about this debt collection XXXX XXXX XXXX two accounts. First one is # XXXX and second is account # XXXX. FRCA requires that you are consistent, complete and accurate across the board with every consumer reporting agency is reporting the same thing in each account. I just showed you how you did not verify this on Acct # XXXX XXXX XX/XX/2025, Experian has XX/XX/2025, and XXXX has XX/XX/2025 and Second acct # XXXX XXXX has XX/XX/2025, Experian has XX/XX/2025, and XXXX has XX/XX/2025. All three can't be accurate if you going by date of first delinquency. From my understanding a collection account are not supposed to include a payment history because This XXXX XXXX XXXX claiming a historical payment is falsely representing to my relationship with them. They can not report any payment history on the accounts from the alleged original creditor before, them. A collection is by default derogatory this goes without say. Please delete from my credit report immediately. Please note for these accounts I have disputed, unless every piece of inaccurate and missing data is filled in and every inconsistency, and every error is accurately fix or delete accounts entirely

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank 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 non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Subject : Request for correction of a late payment on XXXX XXXX account I am writing to bring to your attention a critical issue regarding my credit report, specifically an inaccurate late payment entry that has been added. This erroneous information is affecting my ability to secure a home for my family, and I kindly request your immediate assistance in rectifying this matter. 

Account Details : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Inaccurate Reporting of Late Payment for the date of XX/XX/23 showing 30 days late. 
Resolution : Update payment to Current/terms met Firstly, I want to express my frustration and disappointment regarding the inclusion of a late payment on my credit report. As an XXXX XXXX XXXX XXXX XXXX  for the past three years, I have maintained an impeccable payment history with my credit union account, with no previous late payments. The late payment entry that now appears on my credit report is does not reflect my responsible financial behavior. 

It is essential to provide context for this isolated incident. During the period in question, I had to travel abroad due to a family emergency. Regrettably, this unforeseen circumstance resulted in limited access to my financial accounts and prevented me from making the payment on time. However, I promptly addressed the situation upon my return and made the payment immediately. 

This erroneous late payment entry has had significant repercussions on my financial standing. My mortgage lender has explicitly stated that they require the correction of this inaccurate information before they can proceed with approving our family for the home we have been eagerly seeking. 

I am reaching out to you, as the credit reporting agency responsible for maintaining the accuracy and integrity of credit reports, to urgently investigate this matter and correct the inaccurate late payment entry on my account. I kindly request that you update my credit report promptly to reflect the accurate and timely payment history associated with my account. 

Given the urgency of this matter and its impact on my family 's future, I sincerely hope you understand the gravity of the situation. I kindly ask for your immediate attention and resolution to rectify this discrepancy. Please provide written confirmation of the correction made to my credit report and notify me once the necessary actions have been taken. 

Thank you for your prompt assistance in resolving this matter. I trust in your commitment to accurate credit reporting and your dedication to ensuring the fair representation of individuals ' financial profiles. 

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 explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I, XXXX XXXX XXXX, attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid XXXX. XXXX Money order, which clearly states at the bottom that it is a negotiable instrument that I bought and paid for the rights to negotiate. It was made with the proper clauses and provision based on banking law in the amount of {$10000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Navy Federal Credit Union on XXXX XXXX XXXX They accepted my instrument but did not credit my account. I did call today, XX/XX/XXXX and spoke with XXXX in the charge off department. The phone call was recorded. They refused to stand in honor of the law by applying the proper payment ; even with the agreeing that they do accept legal tender, which is what I provided and the ability for the instrument to remain negotiable which is an even greater benefit for them. They stated that the Money Order was a " bad check ''. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands, they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

I've also provided them with reading material on 'The Bank Act of 1933 '. 
Attached are all correspondence I've mailed to them. 
When they returned the full payment to me, they also included a response letter to one of my correspondences. That letter came past the 30-day request period. It did not answer any questions I had from my letter. The envelope they mailed also included detailed information of another member I have no business knowing about. Not only have they not upheld their fiduciary duty with me, but they have also failed their confidential agreement with others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
A debt collector is trying to collect on a account I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I have qualified for 10-year Public Service Loan Forgiveness since XX/XX/XXXX. I submitted the proper applications and PSLF Forms to my loan servicer XXXX in XX/XX/XXXX. XXXX notified me that I meet the threshold for forgiveness and they are awaiting approval from the Federal Student Aid Bureau. In XX/XX/XXXX my loan servicer was transferred from XXXX to Mohela. I have yet to have my loans properly discharged. I contacted Mohela in XX/XX/XXXX and XX/XX/XXXX and they advised me that they were waiting for a response from FSA and to wait XXXX business days. I contacted Mohela again in XX/XX/XXXX. They escalated my issue to a Mohela supervisor who sent an additional request to FSA and advised me to follow up in 30 days. I followed up today and they still have not received a response from FSA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CT

Complaint narrative:
Hi I applied the usbank reserve card with XXXX points after {$4500.00} spending with 3 months. But somehow I didnt receive the promised bonus points. Contacted us bank a few times, some told me I had to wait, some told me that I could not get it since I had the card before. However us bank didnt mention anything on the term that people cant get the bonus because they have the card before. Would you please help?

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