vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: TN

Complaint narrative:
I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.

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 2024-02-13 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
On XX/XX/XXXX Barclays Bank Delaware shows up on my Credit Report with XXXX as 30 days past due, then on XX/XX/XXXX, it shows 60 days past due, then on XX/XX/XXXX l, it shows 90 days past due. I have never banked with Barclays Bank Deleware. This is on my credit report and must be fraudulent use. I have recently experienced identity theft which inspired me to freeze all lines of credit and to dig deeper into my report history. This is what prompted such a deep search that revealed this fraud.

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 2024-02-13 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: 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 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 2024-02-13 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:
I have the right to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any 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 non-monetary relief
Consumer complaint received 2024-02-13 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: AL

Complaint narrative:
Hello, my name is and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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 urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IN

Complaint narrative:
I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.

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 2024-02-13 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: TN

Complaint narrative:
I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I attempted to buy merchandise from an individual and pay with Venmo. As soon as I clicked send I was notified that it was a scam I called Venmo immediately to stop payment. They said they could not stop payment. I called my bank and froze that payment which cost me {$30.00}. I asked Venmo why that scammer was allowed to have an ongoing account when they already knew about. They said they take this very seriously and remove scammers. However, they did no such thing. My account with them is now frozen, and I can not close it. Although if someone sends me money, they will keep it. How is this allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a letter stating that my account would close in XXXX, XXXX, I have never applied for any credit cards with Bank of America, so this card was open by the bank with a XXXX credit line that has never been used it was opened in XXXX I never did a credit card application for this 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 2024-02-13 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: TN

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
in accordance with the fair credit reporting act Kia finance America has violated my rights.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2024-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This matter concerns transfer of an XXXX XXXX XXXX  at ALLY BANK to the primary beneficiary ( XXXX XXXX ). 

My sister ( XXXX XXXX ) died XX/XX/XXXX. Ally Bank sent forms for the transfer of the IRA account, all of which were promptly completed and returned on XX/XX/XXXX. On XX/XX/XXXX, Ally stated it had all forms required and the transfer would take " XXXX business days '' to accomplish. On XX/XX/XXXX, I followed up by phone call, and Ally Bank claimed not to have XXXX page of the forms ; I provided it that day, and Ally Bank acknowledged I provided it that day. Again, Ally Bank promised to execute the transfer in " XXXX business days. '' I called again on XX/XX/XXXX and again confirmed Ally Bank had the forms they required ; again, I was told " XXXX business days. '' On XX/XX/XXXX, I again called to check status and the Ally rep ( XXXX ) at first claimed a form still was missing, then admitted that Ally had the form and no action had been taken. She said she was told to tell me that the matter would be " escalated '' and that it would be handled probably within " XXXX business days. '' Ally Bank has not acted expeditiously on a simple, straightforward request to transfer an XXXX XXXX XXXX. Each time I call them, I am given a profusion of faulty information as to why. I have no confidence that Ally Bank will act on this matter without CFPB involvement.

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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Hello Sir, I got an offer code ( XXXX ) for WF checking account for {$300.00} on XXXX XX/XX/XXXX so I went to XXXX, downtown branch to open the account, there executive told me that I am not eligible so I was not happy and walked out without opening the account on XXXX XX/XX/XXXX however since I wanted to open account ASAP, I went again and got my account opened with WF on XXXX, also I lodged a case for WF to check if I am actually 'Eligible ' to receive offer or not on XXXX? and was planning to close the account if no offer was given to me, as I was not happy with the hidden terms and condition of the offer. 

On XXXX XXXX got to know from WF executive that I am eligible for the offer and will get amount between XXXX and XXXX ( after completing 90 days of checking account and direct deposit of XXXX {$1000.00} ) So I wanted till XXXX to get the amount in my account but all in vain. 
finally I lodged a complaint in WF office for investigating this case in 1st week of XX/XX/XXXX. 

Finally my case was closed by WF mentioning that I am not eligible for {$300.00} offer and also they mentioned that communication on XXXX  XXXX was " the representatives provided responses that were considered as vague and not offering any additional context. ", which doesnt look correct. ( refer attached case response ) if it would have been communicated to me that I am not eligible for the offer, I would have closed my WF account immediately rather than continuing it for 3+ months

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 2024-02-13 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
Caliber home loans now known as XXXX XXXX sold our loan to XXXX in XXXX, I believe in XXXX. We did receive the mortgage loan interest statement from XXXX timely, but nothing from caliber. 
We have made over a dozen phone calls to caliber to try and get the statement sent to us, but can not get through to their customer service. It is an automated system that asks for our account number, Social Security number or phone number and when we provide this information, the recording states that we are not a valid customer and just disconnects us. We have yet to speak to an actual person. This is absurd. It is now XX/XX/XXXX. We are trying to do our taxes and have heard nothing from caliber home loans, now known as XXXX XXXX regarding our XXXX mortgage tax interest statement. There is no excuse for this and I know that I am not the only former customer of caliber home loans that is having this issue. Disgusting customer service. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFPB XXXX XXXX, XXXX XXXX, Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX knowingly lied to their lawyers. 

XXXXXXXX XXXX XXXXXXXX XXXX lawyer is the only one that set himself up. 

A copy of a case against Bank of America was sent to me. It was missing some very important information. 

The information is the contact between myself & the United States. 

That United States can enforce that to take everything in the event of security misuse or theft.

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 2024-02-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Opened a saving account in my name at the time I received my boat loan on XXXXXXXXduring covid. The transaction took place over the internet and phone. I picked up the check at the drive thru. The savings account has shown a neg. balance of {$5.00} for the past XXXX  months. In XX/XX/XXXX I inquired how to make additional principal payments and their help desk gave me routing number and account numbers. My back did the XXXX XXXX and withdrawal, creating a {$30.00} neg. balance charge. finally after several calls they provided me with the correct instructions on how to do the ACH transfers. At no time did anyone ask, write or call me to deposit anything in the saving account that was showing a - {$35.00} balance now. In XX/XX/XXXX without any notice XXXX decided to close and write off the saving account and report me to all XXXX  credit monitoring company 's. Basically destroying my credit score of low XXXX to low XXXX. I am XXXX XXXX XXXX and have never missed or been late with a payment!! I want the negative comments on my credit reports removed and a apology from the bank on the terrible way they conduct business. This is my worst banking experience in XXXX  years!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They have not provided detailed explanations for why these accounts were marked as Late and Derogatory. I am extremely dissatisfied with the outcome of their investigation and validation. I am unsure of the methods and processes they used to arrive at these inaccurate results. How is it possible that I received a XXXX late mark when there are no records of XXXX days past due? It seems to have jumped straight to XXXX  days. 

Furthermore, these issues occurred during the pandemic when systems were frequently down, and there were limited options for making payment transactions. Despite the challenges I've faced, I have diligently kept everything up to date and fully paid. It is unjust and unacceptable that they refuse to correct and update their records despite my numerous letters requesting them to rectify these errors.

Hear me out, and help me update these to current or just delete these errors on my credit report. 
XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF EDXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2024-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 I received a letter from Oportun stating if I paid the charge off amount within 30 days of the letter my loan with them would be paid and closed. I paid the amount on XX/XX/XXXX as agreed and now every time I call the representatives as well as supervisors they are stating they have no record of this letter, no record of this debt charge off and that I still owe them. They are still reporting this to my credit as well as calling me continuously telling me that I owe. I also have not received a letter or email stating that I paid the charge off amount that was promised by the representative when paying. I am now feeling like I have to pay more money for a attorney just to have this company honor the agreement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: KY

Complaint narrative:
I have XXXX unsecured credit cards with Continental Finance. I have gotten behind on making payments. Maybe because I didn't return their call, they forced an ACH payment with my joint bank account without authorization. They submitted XXXX XXXX payments and said it was a paybyphone. I did not authorize verbally, by phone, email or on their site any payments. 
I put a stopped payment on my account today to prevent them from submitting any additional ACHs. 
They had also caused bounce fees when they did this. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: PA

Complaint narrative:
I was told my XXXX was accepted and my loans forgiven, now XXXX getting bills. I have checked Mohela many times since my letter came to me, and every time its shown a XXXX balance due and a message saying Your Account is in Good Standing. I was skeptical but could not complete payments on their site. Then they reported to the credit bureau that my loan was forgiven. Today XX/XX/24, I get a bill and a notice XXXX past due 202 days! Mind you, Ive checked the site several times between the letter and today! Ive attached the XXXX letter that Mohela sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief