vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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: LEXISNEXIS
State: CA

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: VA

Complaint narrative:
Letter : to CFPB and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Improper Use of My Credit Report Dear Sir/Madam, I am writing to formally report an issue regarding what I believe to be the improper use of my credit report by Equifax. My details are as follows : Description of the Issue On XX/XX/year>, I discovered that my credit report was accessed by Equifax without my consent or for an improper purpose. According to the Fair Credit Reporting Act ( FCRA ), a consumer report may only be obtained for specific permissible purposes, and I do not believe this request falls under those categories.

Supporting Documentation : I have Screen shots of both XXXX, Equifax pertaining to my personal information on my credit report. XXXX has the correct information listed. I MARKED IT WITH A GREEN CHECK MARK. Equifax has the wrong information listed on my credit report, I PUT A RED X BECAUSE THAT INFORMATION IS NOT CORRECT.

Request for Investigation I request that both the CFPB and Equifax investigate this matter promptly. I believe that my rights under the FCRA have been violated, and I would like to know what steps are being taken to address this issue.

Please keep me informed about the progress of your investigation. I appreciate your attention to this matter and look forward to your prompt response.

Thank you.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: GA

Complaint narrative:
In XX/XX/year>2024 Mohela transitioned its accounts so online payments could not be made until an account transitioned fully. Because Mohela could not guarantee my account would be fully transitioned by my XXXX due date, a representative recommended I make my XXXX payment directly to Mohela via bill pay/electronic bank transfer. I made this payment of {$1200.00} on XX/XX/year>2024 and it posted/processed on XX/XX/XXXX via XXXX on my banks ( XXXX XXXX ) bill pay/electronic bank transfer. I have proof that payment was processed and received per my bank, and the payment trace number is XXXX. Mohela has to this day not updated my account with proof that this payment was received. I have called them multiple times and received different information with each call. At first I was told they would open an investigation to locate the payment and that this would take 10 business days. On the latest call, I was told it would take NINETY business days to locate the payment received and apply it to my account. One representative told me they could see the payment in one system on their end, but not another. I have offered to send my banks proof of payment many times and am always told they dont need that information, but yet nothing gets updated. This is frustrating not only because of the amount of money in limbo, but until the payment is updated, it delays my ability to apply for loan forgiveness. I believe the XX/XX/year>2024 payment constitutes my 120th payment for PSLF. If the XX/XX/year>2024 payment is not reflected as received on time on Mohelas end, then XXXX may not be able to process my loan forgiveness application for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
We were the victims of credit card fraud. Were instructed to access the 3 credit monitoring agencies to be sure our reports were all correct and to be sure our credit is frozen at each agency and place a fraud alert on each account. This was done without problem on XXXX. Some difficulty with XXXX but was accomplished and credit report was printed out. 
Attempted to access my Equifax account ( XX/XX/year> approximately XXXX XXXX  pacific time ). and upon trying to login was sent to a screen that said, " Please give us a call, we can not complete your request at this time ''. I called the posted number and entered all the requested identifiers. Was on hold for 45 minutes to be connected to a representative. The representative was extremely difficult to understand due to heavy foreign accent. She asked if I was using XXXX as my browser to sign. Informed her I was using XXXX XXXX. She requested that I attempt to sign in via XXXX, if possible, which I did and was taken to the same page requesting to call. She then asked if she could place me on a brief hold so she could work on " unlocking '' my account. She came back after several minutes and stated she did not know why but was unable to unlock my account and stated I needed to send them copy of my social security card and some other document that I was not able to understand. I explained that in today 's environment of mail theft and already being a subject of fraud and identity theft, I would not do that. I requested to speak with a supervisor. Was placed on hold again while she said she needed to find an available supervisor. While on hold, I was sent to the survey that was stated at the beginning of the call that would come on at the end of the call if you were willing to complete the survey and stay on the line otherwise you could hang up and end of the call. I was then cut off. On the phone for nearly 1 hour without my issue ever being addressed and no resolution. Not able to access my account and not able to get the information I need to address my recent credit card fraud and identity theft issues. Also very difficult to understand the representative on the phone making the call even more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
ACCOUNT # XXXX I need to know who the original creditor is because this account isnt familiar to me. I dont agree with it. Would you agree? Im just trying to be real and honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I obtained a car loan through XXXX and made monthly payments from XXXX XXXX to XX/XX/XXXX. This was the time of XXXX. In XX/XX/XXXX I started to receive an old age pension. I contacted Bridgecrest ( and also filed a complaint with the consumer financial credit bureau ) because I wanted to resume making payments. I received no response at all from Bridgecrest. In fact I did not hear from them until XXXX when they decided I owed them {$20000.00} on a cat that was worth {$13000.00}. 

They filed a replevin case against me ( XXXX XXXX ) to which I responded because I wanted to resume payments. I was working. While the case was pending in XXXX XXXX XXXX XXXX decided that they were just going to go ahead and take the car anyway without benefit of a court order, or judgement from the court. They just took it ( stole it ) in XXXX XXXX, XXXX. I had repeatedly told them I wanted to resume paying the loan.I even filed a complaint with the CFPB because of their lack of response. ( just like the foreclosure crisis ). 

I am XXXX, partially XXXX and being without a car is a hardship. They took it anyway. In violation of their contract which states judicial process OR self-help repossession. We were in judicial process. Of course then I lost my job. It turns out that Bridgecrest did not have standing as they are not the holder of the lien XXXX is. Bridgecrest simply took the payments and more than likely did not have the ability to modify the loan. They stole my car and are refusing to return it. I do have a pending court case. I am also seeking a lawyer. 

This practice of filing a court case, then grabbing the car and then filing a vountary dismissal is something they did over and over again.It is literally abuse of process. I reseached court dockets all over Florida where they did this. I guess some lawyer came up with this strategy and all of the bottom tier lawyers thought it was a good way to strip people of their property. Bridgecrest didn't even bother with standing. XXXX is the lien holder. Bridgecrest literally stole my car then demanded a {$20.00}, XXXX deficiency judgement on top of it. 

When they filed a voluntary dismissal the consumer had no choice or recourse except to sue them in another court case. Likely because they did not have money to pursue a court case Bridgecrest was able to get away with it. I was savvy enough to have responded to the case filing and had filed counterclaims. Because this was the time of covid no one was working. The judge issued a stay preventing Bridgecrest from selling the car. 

They filed a court case then just helped themselves to property without due process or right of ownership, or even a court order or a judgement from the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Emerald AR Systems, LLC
State: AZ

Complaint narrative:
The company Emerald Ar System is reporting a medical debt that was opened XX/XX/XXXX of 2023 on my credit report. they havent verify the debt and would constantly call me last year about it trying to get me to pay. Just recently they put it on my credit report and didnt list it as medical debt resulting in a XXXX point swing against my credit. 
the amount listed via XXXX XXXX is for {$310.00}. 
From my knowledge all my medical bills have been paid. They havent reached back out to me for awhile but just of XX/XX/XXXX reported against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: MS

Complaint narrative:
NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT, NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Delete this item its outdated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New updated address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to inform you that your company is furnishing inaccurate and incorrect information to the consumer reporting agencies. This inaccurate reporting has caused severe damages to my character, reputation, general mode of living, and ability to obtain credit for personal and household purposes. Your inaccurate reporting has also damaged my livelihood. 

According to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, you are prohibited by law from furnishing inaccurate information. I demand that you cease and desist the reporting of incorrect/inaccurate information immediately. 

Even if you have not received a Form 1099-C, you must report debt as gross income on your tax return as defined by the IRS. The reporting of this account as a debt is inaccurate according to IRS definitions of canceled or charged off debt as income.

You are hereby put on notice that you are furnishing incorrect/inaccurate information and have 5 days to cure and correct this erroneous mistake from my consumer reports. 

In conclusion, I have shown that you are reporting inaccurate information and have not corrected it despite being notified. Your continued reporting of this information is a clear violation of the law and your responsibilities as a furnisher of information. Please take immediate action to rectify this situation. 

Sincerely,

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 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 2024-08-24 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: NC

Complaint narrative:
please delete and remove the following inquiries from my credit prole due to right to privacy I DISPUTED THE ITEMS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INFORMATION I didn't receive any personal extended credit from the agencies below : Transunion : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I disputed this information with XXXX credit bureau over XXXX times and they failed to remove the disputed information I had no other choice but to XXXX this adavit the credit consumer agencies violated my rights and I have no other remedy when disputing incorrect information from the credit XXXX XXXX than to report to the consumer protection agencies. THE ONLINE DISPUTE CENTER WILL NOT WORK WHEN I DISPUTE NEGATIVE INFO ON THE 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 2024-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Klarna AB
State: MD

Complaint narrative:
Since XX/XX/year>, I have been receiving electronic communications from a company called XXXX XXXX, claiming a debt owed to Klarna, a buy-now-pay-later loan service. These communications come through text and email. Due to phishing concerns, I avoid opening any suspicious links sent via email or text. I am wary of the communication because I have not received any validation information via the United States Postal Service. I believe XXXX XXXX 's actions violate the Fair Debt Collection Practices Act as their electronic messages have turned harassing, oppressive, and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America report on my credit that I owe their {$210.00}. 
Never got a credit card from major credit company during my life, and now I am trying to get one and I can see that bank of America already report that i had one with {$210.00}. 
I told bank of America multiple times that it's not my account and I already filed a identity thief but they refused to removed this account. 
My address on their report is incorrect.

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 2024-08-24 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: TN

Complaint narrative:
I checked my Experian credit report this morning, it stated that I had XXXX more account attached to XXXX, of all different totals, but adding up to my original and CORRECT student loan balance of {$17000.00}. It has caused my credit score to decrease and I am very upset. XXXX and XXXX are showing my correct credit report of only XXXX XXXX  loans, XXXX  is showing that I also owe a balance of {$17000.00} which is correct and studentaid.gov is also showing the same total. I need this resolved as soon as possible. Experian definitely is having issues.

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 2024-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
First of all I am responding to Consumer Financial Protection Bureau case number # XXXX and Wells Fargo Home Mortgage did not clear up my concerns nor did they answer any of my question. XXXX. I am not happy with the bogus letter I received with an answer that was unrealistic and not true in regards to the work out options that they stated I received. XXXX. My concerns with my mortgage increase from XXXX to the XXXX due to taxes increase but I received a letter stating it was escrow shortage ( which is it? ). Wells Fargo mentioned that it was a annual tax change in their response but I did not receive any communication or notification from them prior that the taxes went from {$1.00}, XXXX to {$1900.00}, which is a difference of XXXX extra a year which I was not given a choice or offer to pay in a lump sum prior to their response so that my mortgage could remain the same. Because they have mishandled my mortgage from the beginning I am very much concerns about any changes that are made to my account without proper notification in which I received no letter from them stating that.. As they mentioned in their response I could pay the XXXX in a lump sum which I will submit to them in hopes that my mortgage does not change and there is no more tampering. 

Secondly, as far as the workout options I received from them and the dates are bogus as well. There were rules set for me as to how many modifications I could received and was told many times I did not qualify even during COVID only payment arrangements were my options and the amount that was told to me with my income was outrages so let 's stop the lies in your response. Once again I was treated differently when it came to help from Wells Fargo and this is not hear say there is history as to how I was treated as XXXX XXXX Home owners. I do hope you change so we all can feel comfortable and equal. As far as discrimination there is no equal fair treatment and it has not been since the beginning when you took over my mortgage. 

The only resolve I received was a call from the Wells Fargo XXXX XXXX XXXX who stated Wells Fargo will honor the XXXX at the end of this month from the XXXX XXXX dollar settlement for how they mishandled my mortgage and all the fees and bogus accounts that was open in my name. I am hoping that Wells Fargo stay true to their agreement and not use that against me in any way to increase my mortgage or to retaliate against me going forward.

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 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: MD

Complaint narrative:
I have US Bank credit card. XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX I requested closing my credit card account through the phone call about two months ago, but I can still see the account in the US Bank app. 
So I requested it one more time through the phone call. But the credit card information is still on the system.

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