vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial 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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial 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 explanation
Consumer complaint received 2023-10-24 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2023-10-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: MI

Complaint narrative:
Unauthorized or Fraudulent XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1. XXXX XXXX XXXX  XXXX the debt collector is XXXX, states it was opened XX/XX/XXXX in the amount of {$1900.00}. I never opened an account with them. I was not even living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal. 
2. XXXX XXXX XXXX  XXXX the debt collector is XXXX, states it was opened XX/XX/XXXX in the amount of {$1800.00}. I never opened an account with them. I was not living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: MI

Complaint narrative:
Unverified Accounts Reporting to my credit report. Statue of limitation law

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XXXX and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached 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 explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2023 I went to withdraw funds from account and wasnt able to. I went into the bank to find out why and was told my account was closing with no reason given. I didnt receive any type of notices that my account was closing. I have over a XXXX in my account for bills and expenses. That Im unable to access. Bank of America said it can take up to 30 days to receive a cashiers check.

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 2023-10-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 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 USC 6802 A. may not disclose personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In an email I formally requested that PMI be removed and partially paid back as it should have been romoved quite some time ago. The mortgage is less than half the original home value and I've never refinanced. Suntrust became Truist and I've had many issues as they keep recalculating my payment and re-evaluating the escrow every few months. Not only have they denied my PMI removal request once again I am told that the newest escrow calculation show a XXXX $ shortage for the year and somehow that calculates to over XXXX $ increase in the monthly payment. The math isn't mathing.

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 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom this may concern : This credit card company sold this account to credit control a debt collection company.

I made 2 payments to them in the amount of {$170.00} on XX/XX/XXXX, they are still reporting to the credit bureau XXXX as being late every month when this account has been Charged-off and account Closed since XXXX. 

I've disputed this account several times not getting any positive results. 

creditor : Kohls/Capital One XXXX box XXXX XXXX, WI XXXX XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It's truly unreasonable that I've always made payments on time for this account and have never been tardy. Please ensure my account accurately reflects this.

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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had gone to an ATM to deposit money {$100.00} to be exact to cover a payment coming out of my account the next day. The ATM in XXXX XXXX XXXX took my XXXX dollars and confirmed it had taken it and we drove away shortly after I was informed, my debit card was used but with the wrong pin. This email made me look at my account and I realized Wells Fargo credited my {$100.00} deposit then debited it.. I contacted Wells Fargo immediately to open up a claim that there must be an issue with that ATM. Initially they had put in the claim wrong and it was denied. I asked for a video evidence so that I could show that I did not take that money back out, they would not provide it for me. I called Wells Fargo resolution and they resubmitted a new claim correctly while that was being done. I had gone to the XXXX police department to file a theft and fraud against Wells Fargo so that I could obtain the video from the ATM showing I did not deposit and withdraw the money it was only deposited on XXXX I was reinforced that they denied my claim again because they said I deposited the {$100.00} and automatically would drew it within seconds. I tried to explain to them why would I deposit {$100.00} and quickly withdraw it knowing I have a payment coming out the next day and that I have done this ATM deposits before for this exact same reason and is clearly shown on my account. they didnt care and still denied my claim and kept my {$100.00}. 

I have asked a supervisor of the XXXXesolution department of Wells Fargo to contact me because they would not escalate it while on the phone.

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 2023-10-23 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: PA

Complaint narrative:
I believe Mohela is incompetent in their handling of student loans. I applied for the SAVE plan for my direct loans. I was approved and had been on SAVE, but I randomly logged into my Mohela account, and they switched me to Level - the highest, most expensive repayment plan. Multiple people have been having this issue and it is impossible to reach customer service rep. I have been on the phone for over 2 hours and unable to talk to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
ON XX/XX/XXXX OR XXXX 2023, I WENT ONLINE TO MAKE A PAYMENT TO MY ACCOUNT I PAID THE PAYMENT FOR THE MONTH OF XX/XX/2023 HOWEVER AFTER I CLICKED SEND I SEEN THAT I COULD GET A DEFERRAL FOR THE PAYMENT OF XXXX I ACCEPTED IT. THIS WAS NOT DURING BUSINESS HOURS THAT THE PAYMENT WAS MADE SO THE FOLLOWING BUSINESS DAY I CALLED AND SPOKE WITH XXXX XXXX FROM MERCEDES BENZ FINANCIAL I TOLD HER I DID'NT KNOW I WAS ELIGIBLE FOR PAYMENT DEFEREAL FOR THE MONTH OF XXXX COULD IT STILL BE APPLIED SHE SAID YES I ASKED HER WHAT WILL HAPPEN WITH THE PAYMENT THAT WAS JUST MADE SHE ADVISED ME IT WOULDNT BE APPLIED TO THE ACCOUNT BECAUSE I ASKED FOR THE DEFREAL SHE ADVISED ME TO CALL MY BANK AND HAVE THEM REJECT THE PAYMENT OR TO WAIT AND MERCEDES BENZ FINANCIAL WOULD EVEN RETURN THE PAYMENT BACK TO ME. SO WHAT I DID WAS I CALLED MY BANK TO HAVE THEM REJECT THE PAYMENT WELL ON XX/XX/2023 XXXX XXXX FROM XXXX XXXX XXXX CALLED ME AND TOLD ME THE ACCOUNT WAS XXXX PAST DUE I EXPALINED THE SITUATION AFTER A LONG HOLD I WAS ADVISED THE DEFERAL WAS APPLIED TO XXXX AND I WAS GIVEN THE WRONG INFORMATION AND THERE WAS NOTHING THEY CAN DO I ASKED TO SPEAK WITH A MANAGER BECAUSE I WANTED CLARIFICATION ON WHY THIS WAS DONE AS I WAS CONCERNED ABOUT MY CREDIT SCORE SHE ADVISED ME SHE WOULD HAVE A MANAGER CALL ME BACK I TOLD HER WHY DID YOUR OFFICE TELL ME TO HAVE MY BANK REJECT THE PAYMENT SHE JUST SAYS I DONT KNOW A FEW HOURS LATER XXXX XXXX CALLED ME AND TOLD ME BASICALLY IT WAS TO BAD THAT I WAS GIVEN THE WRONG INFORMATION AND THE PAYMENT WAS NOT APPLIED TO XXXX AND IF I HAD ANY ISSUES TO CONTACT THE CREDIT BUREAUS BUT I TOLD HER WHY DO I HAVE TO CLEAN UP THE MIS INFORMATION YOUR TEAM GAVE ME I ASKED TO SPEAK TO UPPER MANAGEMENT SHE WAS VERY RUDE AND SAID THE MANAGER IS OUT OF TOWN NOT SURE WHEN HE WILL BE BACK SHE WAS HESISTANT TO GIVE ME HIS NAME SHE FINALLY DID HIS NAME IS XXXX XXXX PLEASE BE ADVISED ALL THE CALLS ARE RECORDED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-10-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 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 USC 6802 A. may not disclose personal 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 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: MD

Complaint narrative:
Please see attached CARVANA GROUP , LLC RESPONSE to my initial complaint # XXXX Also, see attached my NOTICE OF CLAIM TO INTEREST. 

I will no longer allow XXXX XXXX the Chief Financial Officer and his compadres to mishandle my securities. 

I also emailed XXXX, as requested in the contract for an initial claim to settle with arbitration and got NO REPONSE, so here I am-AGAIN!

Company response to consumer: Closed with explanation