vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Your company is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 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 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 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 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 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 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 XXXXXX/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 2024-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my loan servicer related to the incorrect application of interest charges on my account. I have set up automated payments to ensure my payments are timely, paying {$25.00} every weekday, XXXX XXXX XXXX as a way to manage my interest charges effectively. My loan interest rate is XXXX %, and the daily interest accrual on my balance currently amounts to {$3.00}. 

Given that I make a payment each weekday, I expect the daily interest to reset each day to reflect this payment, resulting in a consistent interest charge of {$3.00} per day. However, Ive noticed recurring discrepancies in the way interest is applied. Instead of the daily charge of {$3.00}, I am frequently charged for multiple days of accrued interest, such as {$9.00}, which reflects XXXX days of interest. This pattern suggests Im being charged for periods when no payment was received, even though I have not missed any payments.

This issue raises concerns that I may be paying more interest than I should be, despite my consistent daily payments intended to minimize interest accrual. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter to ensure that the interest on my loan is being accurately calculated and charged in accordance with my scheduled payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: SC

Complaint narrative:
THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS WERE USED WITH OUT MY PERMISSION WHILE BEING A VICTIM OF XXXX XXXX  I HAD NO CONTROL. I HAVE ATTACHED ALSO MY COMPLETED FORM. IN ADDITION TO BEING INVOLVED IN A SECURITY BREACH AT THIS BUREAU.I AM A VICTIM OF IDENTITY THEFT. XXXX  ACCOUNT I SENT THE CREDITOR A POLICE REPORT THAT WHY NO PAYMENT WAS EVER MADE. THIS WAS FRAUDENLNT. THEREARE ALSO UNAUTHORIZED INQUIRIES. XXXX  HAS CONTINUED TO HARRASS AND EXPERIAN HAS BACKED THEM..ALSOTHEY ARE REPORTING A ADDRESS IN XXXX I AM NOT AFFILIATED WITH THIS ADDRESS. I AM A VICTIM OF XXXX XXXX. I REQUESTED CREDIT BUREAU BLOCK THESE ACCOUNTS PURSUANT TO 605C OF THE FAIR CREDIT REPORTING ACT. THEY HAVE STILL CONTINUED TO NOT COMPLY WITH MY REQUEST.. I ATTEST THAT THIS INFORMATION BE REMOVEDPLEASE BLOCK THESE WITHIN FOUR BUSINESS DAYS AND SEND ME UPDATE AS A RESULT OF XXXX XXXXUS DEPT ED : Account number : XXXX, VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  XXXX : VICTIM OF XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT

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 2024-11-02 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: GA

Complaint narrative:
I was reviewing my credit report and found some errors relating to my payment history on some accounts. The credit reporting agencies have the responsibility to report accurate information. I have never been late on ( XXXX XXXX XXXX XXXX. Please investigate these errors and remove the late payments if these can not be verified

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-11-02 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: GA

Complaint narrative:
I was reviewing my credit report and found some errors relating to my payment history on some accounts. The credit reporting agencies have the responsibility to report accurate information. I have never been late on ( XXXX XXXX XXXXXXXX ). Please investigate these errors and remove the late payments if these can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: GA

Complaint narrative:
I was reviewing my credit report and found some errors relating to my payment history on some accounts. The credit reporting agencies have the responsibility to report accurate information. I have never been late on ( XXXX XXXX XXXXXXXX ). Please investigate these errors and remove the late payments if these can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
The Apple Master Card issued by Goldman Sachs is apparently providing a significant cash back bonus offer to existing card members, but only by invitation : XXXX XXXX XXXX I have been a cardholder since the release of the card and was not " invited '' and there is apparently no publicized criteria for being " invited '' to receive this benefit. I have always been in good standing and have a credit score of over XXXX. Is this legal, to discriminate amongst card members in good standing, by providing a cash benefit to some customers and not others?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Activehours
State: CA

Complaint narrative:
I used the Earnin app for advanced they they got paid. I also created NSF fees because of this when I spoke to someone in the chat, they kept insisting that it was a repayment for another transaction and my bank statement states it on there that it was for the XXXX and some change one and they re-took it out after over a month after they have already been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX, to close my account right after hurricane hit XXXX  Georgia, and the account only had XXXX and i've spoken with him several times about releasing the funds to me, because they were mine and my brother sent them to me and uh, they kept telling me that they can't release the funds and they've sent me to another department and I never hear back from that department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-02 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 contacting you to formally request the removal of several unauthorized accounts and inquiries from my credit report due to a recent data breach affecting my personal information. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and deleted from my credit report. Below, I have provided details on each account and inquiry that requires immediate action. 
Unauthorized Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$1400.00} XXXX. XXXX XXXX  - Account # XXXX - Opened : XXXX - Balance : {$5900.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$86.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$20000.00} XXXX. XXXX - Account # XXXX - Opened : XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$420.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX - Opened : XXXX - Balance : {$740.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX CA - XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX of XXXX - XXXX Date : XXXX XXXX. XXXX XXXX - XXXX Date : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX. XXXX - XXXX Date : XXXX XXXX. XXXX - XXXX Date : XXXX XXXX. XXXX  XXXX XXXX XXXX - XXXX Date : XXXX XXXX. XXXX  XXXX XXXX XXXX - XXXX Date : XXXX XXXX. XXXX - XXXX Date : XXXX XXXX. XXXX XXXX Bank - XXXX Date : 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 2024-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: OH

Complaint narrative:
I am sending ANOTHER complaint to CFPB about this company. I submitted a complaint and nothing was done to help me. I am struggling to pay this loan and need help figuring out a different payment plan. I would like to set up a more feasible payment plan. The payment plans that are being offered are still too high for me to pay. I would like to set up some sort of settlement with this company once and for all.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: TX

Complaint narrative:
Carmax has withdrawn $ XXXX from my XXXX XXXX XXXX account without my knowledge and in someone else 's name. 

When they were asked to investigate, rather than investigating and finding a trail of the transactions and refunding my stolen funds, they are asking me to work with my Bank. 

My Bank on the other hand says I should work with the merchant to get these transactions reversed. 

Carmax should provide me with documents they used to undertake these transactions, on what grounds did they fraudulently withdraw funds from my account when I have nothing to with them. 

I have never been a Carmax customer I have never taken any loan of any sort in my entire history in the US.

Attached are letters showing both organizations non-serious attitude towards refunding my funds. 

I would request CFPB to make sure the complaint is addressed properly by them and my funds are refunded asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
Good morning I got a credit card from fnbo which I didn't apply for at all, I don't know if this was a mistake on there behalf. 
I didn't active it, I just thought this was wrong to do, I will get a hold of there company I just want to you guys first

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 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I tried to pay my credit card on the billing due date. Bank of America does not allow you to pay from a bank account that is not a Bank of America checking or savings account in their app. On their website, you can add an external account but the make a payment option is greyed out with no further indication, perhaps while they spend a week verifying your account. Finally, I had to make a phone call to simply pay my account. This caused me to miss my billing due date by an hour and incur interest and credit loss.

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 2024-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX XXXX XXXX called but calls were dropped after verification ; emailed WF notifying them of housing counselor NACA point of contact XXXX XXXX XXXX Housing Counselor NACA requested documents and made aware of my Lender/servicer Wells Fargo Home Mortgage XXXX XXXX XXXX dated ltr addressed accuratelXXXX to me and received by mail on XXXX XXXX XXXX only ltr since XX/XX/year> mentioning an investor, Fannie Mae after I mentioned their XXXX XXXX  ; documents were submitted to via NACA XXXX XXXX XXXX XXXX XXXX XXXX preliminary foreclosure filed XXXX courts

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 2024-11-02 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/year> I contacted Midland Credit to resolve associate collection i had with my XXXX XXXX XXXX  Credit card to help improve my credit. 

In the past a they've have a collection in my name from XXXX XXXX with they stated was for furniture. I disputed it because I have no knowledge of that account. It was also so long ago that that can't even report. 

They knowingly took my money I paid for the XXXX XXXX XXXX card and put it on an account that doesn't belong to me. 

This is hindering my credit and my money shouldn't have went towards an account that I never approved of. 

The guy on the phone kept repeating the wrong amount from the account I was trying to pay because he knew that he was intentionally crediting the wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation