vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly, they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
This is a follow up. On XXXX I was returning to the station XXXX n. California in XXXX. The back doors were closed. I went in through the front doors with all my equipment. As I walk to the cage to punch out. XXXX XXXX screams, '' Let 's go get it ''. XXXX XXXX responds, " let 's go, because there is a rat here ''. XXXX XXXX walks right behind me. I pulled my wallet to scan my Badge. Place the wallet on the desk. Punched out and return the scanner to its station. Went to see if I picked up wallet. It was not there so I assumed is in my purse. I did not touched my purse until today to get my wallet. I could not find it. I remember that when I checked where I put it, it was gone. XXXX XXXX was in the cage with me. I made a police report. # XXXX. There was also a few incidents in which they are trying to get my finger prints. Consult a mail carrier used my mail truck on XXXX. She left a Clear plastic gum pack. And it had tint on it. I cleaned it out with wipes. I used glovesand the tint did not came out the gloves. I will send you pictures. Thank you.forbyour time.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> Personal Info Former : XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: AL

Complaint narrative:
On XX/XX/XXXX I bought a western union money order from XXXX for XXXX dollars. I gave it to my new landlord on XX/XX/XXXX. On XX/XX/XXXX he told me the money order wasnt accepted by their bank or that it was a bad money order. Im unsure of those specific details. 

I call to see the status of the money order and it says it was cashed on. I was advised by the landlord to submit a claim. I have both the money order receipt, and the receipt from purchase. 

On XX/XX/XXXX I try to submit a money order refund. Western unions website gave me endless captchas. Just a loop of captchas that no matter what just sends another one. I try again the next few days to the same issue. 


On XX/XX/XXXX i try again. This time it goes through and I get a email with a reference number. I call today on XX/XX/XXXX on a status for the money order. ( Initially stated it could take up to 30 days, but I just wanted some reassurance that everything was proceeding correctly as I havent received any updates ). 

I was advised by one individual to submit another refund claim for a cash pick up. Since it would take 1-3 days. Another Individual said since it was cashed on I cant submit a refund request and instead have to print off some form, get it notarized. And send XXXX dollars with it in the mail. 

Im totally frustrated, and unimpressed by their service. No one seems to be able to tell me anything regarding where it was cashed without me having to pay XXXX dollars and wait XXXX  amount of time for a photo copy eXXXX XXXX XXXX XXXX of even how to proceed with this. What to tell my landlord. I work XXXX hour days and the last thing I want to do is spend more time dealing with this in my free time. Where Im just not receiving clear information etc. 

I feel like Ive been cheated out of XXXX dollars and that its creating a poor tenant/ landlord relationship. I just want answers and to resolve this issue with ease.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-07 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-07 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to 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 2024-10-07 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I have called repeatedly to try and make an online account but my security questions will not be generated. The first couple times I called chexsystems they just sent me to a third party company ( XXXX ) who refused to take my information down so that chexsystems could use that information to generate questions. XXXX told me that all I have to do is call Chex systems and ask for a supervisor to do manual verification, so that's what I did. Chexsystems told me twice that they were not processing manual verifications " at this time '' or " for the time being '' and that there was no way for me to get my report when I am out of the country.

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 2024-10-07 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: TX

Complaint narrative:
See attached theft report as well as mailed police report & ID verification forms ( mail, ssn card, license, lease ).

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 2024-10-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
See attached theft report as well as mailed police report & ID verification forms ( mail, ssn card, license, lease ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2024-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Applied XXXX ( XXXX ) for a Home Equity Line of Credit ( XXXX ) and/or Home Equity XXXX XXXX {$80000.00} with Navy Federal Credit Union XXXX NFCU ). 

XXXX. The home I requested the XXXX is fully owned by me. There is no mortgage, liens, etc. I hold a free/clear deed. 

XXXX. NFCU appraised the home at {$270000.00}. 

XXXX. My current credit score reported by all agencies and confirmed by NFCU is XXXX. 

XXXX. My monthly income exceeds {$10000.00}. 

XXXX. I have been a member of NFCU for XXXX years. Never missed mortgage, credit card, or car payment.

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 2024-10-07 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Hello, I received a copy of my credit report and an writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Credit card from FEB DESTINY Bank I am a victim of identity theft and Ive never applied or had an account with you guys, I've been in the hospital/recovery home for over an year trying to learn how to walk, and stand, and eat and drink I got into an horrible accident. this isn't me and I would like this removed this is unfair how someone got my information I have add security locks and added a lock on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: PA

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

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

I demand the late payment reported to be removed/updated.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

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

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 2024-10-07 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: MO

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX/DEPT OF ED was never late XXXX I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, AND XXXX/DEPT OF ED never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: OK

Complaint narrative:
On XX/XX/year>, I contacted Equifax notifying them that my account says that I need to contact them and provide the code " XXXX  ''. I contact Equifax and an agent gave me XXXX different lies and told me that he does not know why it says that and then proceeds to say its because of my information in which he verified with me while on call that my information is accurate. The agent says he is sending me to his technical team. The agent told me he does not know why my account tells me to contact Equifax and he is unable to remove the error from my profile. I do not like to be lied to and would like to address this issue the correct way. I asked the agent what is the exact problem and what information does he need from me, and he states that there is nothing he needs from me. Something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I called Everbank on XXXX requesting to transfer the funds in my account and to close my account, as I intended to withdraw the remaining amount ( approximately {$6000.00} ). I was told that the account was under a " manual review '' and that I was not able to transfer or access my funds. The funds have been in this account for many months since the account was open, so there should not be any holds or limitations on availability of funds due to Regulation CC. The bank was unable to give me viable reason for the hold or provide justification of a regulation allowing for them to restrict access. 

Restricting access to these funds creates consumer harm and there was no disclosure made to me regarding the hold being put on my account. I was unable to access the account online and then access was restricted when I called into an agent. 

This should be evaluated as an unfair, deceptive, or abusive act or practice under the provisions of XXXX XXXX given the harm I will face given the undue delay in access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VT

Complaint narrative:
My XXXX qualifying payment toward XXXX was paid on XXXX XXXXXX/XX/XXXX ( effective XXXX XXXXXX/XX/XXXX as per my bank account records ). My MOHELA account page shows no history of this payment, but does state that my next due date is XX/XX/XXXX. Upon calling MOHELA to resolve this issue, I was led through a labyrinth of automated messages that led nowhere. There was never an option to speak to a customer representative. I am not surprised- this is the second complaint I've submitted against MOHELA, an organization with an abysmal track record. I request that CFPB order a complete reorganization of MOHELA 's customer service approach to eliminate barriers to speaking with their representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation