vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: MD

Complaint narrative:
I am writing to file a formal complaint against TransUnion, XXXX XXXX XXXX regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureau ( s ) in question.

The disputed items on my credit report include the following : TransUnion : 1. The inquiry was not authorized. 
XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The inquiry was not authorized. 
XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

3. The inquiry was not authorized. 
XXXX OF XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. Please verify account. 
XXXX XXXX  Date of inquiry : XX/XX/year> XXXX : XXXX. The inquiry was not authorized. 
XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX : XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
I have made XXXX attempts to request the credit bureau ( s ) to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureau ( s ) to rectify these inaccuracies.

I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that the credit bureau ( s ) comply with the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate information be promptly removed from my credit report to restore the accuracy and integrity of my credit history.

Attached with this complaint are copies of the relevant documentation, including my written disputes, supporting evidence, and any responses received from the credit bureau ( s ).

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.

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 2024-02-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an AMEX eGift Card for {$250.00} in XX/XX/XXXX. It took me a year to find a web site that would accept this gift card as payment ( wayfair.com. ) It got rejected on numerous other sites because the billing information could not be matched up to any info on the eGift Card ( this was confirmed by a rep at XXXX XXXX online. ) Also not a single in person store could use it because there is no code for them to scan. I also spoke to someone at XXXX who said to convert the card to an XXXX gift card to use on there. This only worked for two amounts of {$25.00} each and then XXXX began rejecting it. There is now {$33.00} remaining on this card as XXXX has rejected my attempts to buy another {$25.00} gift card. 

I have since received another AMEX eGift Card for {$250.00} in XX/XX/XXXX. From my experience last year cited above, I KNOW this card will be rejected everywhere. I purchased ONE XXXX gift card for {$25.00} with this card. Subsequent attempts to buy/convert more gift cards were rejected. The balance on this card is now {$220.00}. 

The AMEX site clearly confirms my Egift cards and the balances but the phone number is strictly automated and unhelpful. I also read the details on the AMEX web site because I'd like to at least be able to pay my own AMEX bill with this card - but the fine print states that is not possible. It's really ridiculous and I'd like to cash in my balances. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 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: NY

Complaint narrative:
Despite my continued efforts, I have yet to see any resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I consider this matter of utmost importance. Should you disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough reexamination of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. If such evidence can not be provided, I demand the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: AL

Complaint narrative:
notified credit bureau that an inaccurate account was reporting on my account. requested a thorough investigation and validity of debt info. Requested the account to be removed due to inaccurate reporting balance and account was fraudulent. Transunion notified me on XXXX that my investigation into this account had been verified and updated in a very short time of 6 days. I spoke with trans union and I was advised that I would need to contact the collections agency XXXX XXXX and further dispute with them. I contacted XXXX XXXX and I was advised that the dispute had just been sent over to them today on XXXX and had not even been investigated nor updated as of yet and was unsure as to why or how transunion would have sent out a dispute results. Account Person XXXX XXXX at XXXX XXXX stated this via a recorded call. Transunion is not properly investigating credit disputes appropriately and legally. 


All parties involved have violated the FDCPA

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 2024-02-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I attempted to purchase multiple different items online using my AMEX gift card. No website works. I tried purchasing items that were less than the amount on the card, still doesn't work. 

I am afraid to try and use it in a store and the same thing happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CA

Complaint narrative:
Please see attached file

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 2024-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I called the AAFES Exchange Crwdit Program on XX/XX/XXXX to verify that i qualified for the promotional XXXX XXXX  discount on first days purchase. It was a new card, new credit check, and I had never had a retail card with them before. I made my initial purchase on XX/XX/XXXX. When i looked at my bill in XXXX there was no discount applied. I called on XX/XX/XXXX and was told that the discount would not be offered because of a different account i had that was for military clothing only. I was told to send an email and i did so, which has not yet been answered. I also called again on XX/XX/XXXX and was given the same information. This promotion discount that caused me to apply for this card was the only reason I had done my purchase this way. I had called the company before applying for the card and before making purchases. No after the fact they say a credit card that was not a retail card ( military clothing only ), prevents me from using this discount. This seems misleading, illegal, and amounts to almost XXXX XXXX dollars of missed discount. Had I been given accurate information i would never have opened this card or purchased it through AAFES.

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 2024-02-28 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: FL

Complaint narrative:
I am writing to formally address a distressing matter that I recently uncovered upon reviewing my credit report. On XX/XX/XXXX, I diligently obtained a copy of my credit report from XXXX, only to discover the presence of unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were conducted without my explicit knowledge or consent, and I have absolutely no association with the entities responsible for initiating them. As a conscientious consumer, I make it a priority to regularly monitor my credit report to ensure its accuracy and to safeguard my financial stability.

I am hereby requesting the assistance of the Consumer Financial Protection Bureau in conducting a thorough investigation into this matter and subsequently rectifying it. I firmly believe that these unauthorized hard inquiries not only breach my privacy rights but also have the potential to adversely affect my credit score. 
More than XXXX  days ago, I filed a dispute with XXXX regarding these unauthorized inquiries. However, to my dismay, I have yet to receive any confirmation or acknowledgment of the dispute 's processing. Despite providing evidence of the dispute letter sent via Certified Mail ( Tracking Number : XXXX ), no tangible progress has been made in resolving this issue.

In light of the foregoing, I implore the Consumer Financial Protection Bureau to intervene and facilitate the prompt removal of these unauthorized inquiries from my credit report. It is imperative that this corrective action be taken to restore the accuracy of my credit information and to safeguard my financial standing.

Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this issue.

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Dear CFPB, Madam/Sir : I look at my XXXX Credit report and I find out that this debt collector had the Negligence of reporting a debt With Out writing me FIRST a letter in regards to the debt from the first party that is XXXX. The debt collector is adding in my XXXX credit report with out authorization, the amount of : {$230.00}. They were supposed to mail me a letter that is called Debt Validation Letter, than after receiving this letter, I have 30 days to answer the debt collector. The debt collector is Braking The Fair Debt Collector Practice Act ( FDCPA ). The debt collector is Braking Communication with me as a consumer or third parties in any prohibited manner. ( 15 U.S.C. 1692b and C ). At the same time I already made arrangement with XXXX XXXX XXXX to pay the First party and negotiate the payment. Thank you Very Much. Respectfully yours. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NY

Complaint narrative:
Despite my continued efforts, I have yet to see any resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I consider this matter of utmost importance. Should you disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough reexamination of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. If such evidence can not be provided, I demand the immediate removal of these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Ive made four loan payments all on time since XXXX. The first payment interest was correctly applied {$200.00} towards interest XXXX towards principal total payment {$690.00}. The next payments on XXXX and XXXX XXXX all went to interest nothing to principal. Interest rate is 23.75 %. And this last payment on for XXXX XXXX went to interest and XXXX went to principal. Ive called them twice trying to get this fixed or find out whats going on and have gotten no explanation why and saying that its correct when obviously its not. The company is Westlake financial

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was paid for work I did. Deposited the check then the account was closed after the money cleared. I was sent. Copy of the check which was I was unable to cash at any other financial institution.

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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
My bank has notated fraud on my account. They claim that I was warned multiple times to not give out my card information and that I refused and continued to do so. I informed them this is not true, and I requested phone recordings to prove their claims. They told me they would not provide such information, and I was welcome to subpoena through my attorney. All I want is these untrue and unproven claims removed from my account/record. I no longer bank with this institution, and I would prefer to have no more association with them. However, this false information is being relayed to other banks, which is completely unacceptable. I have the last phone call from the company recorded ( which I notified them of prior to the phone call ), but it is too large to upload here. I will forward upon request, but this call confirms these claims.

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 2024-02-28 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: CA

Complaint narrative:
1. Mohela incorrectly informed me that interest beyond my Save plan payment would be subsidized by the dep of education even thought I am in forbearance. I spent 5 hours today to try to resolve the issue and was finally hung up on by agent XXXX. I requested a supervisor and she hung up on me. 

2. I want to know if I can go into repayment mode to take advance of the SAVE plan and make payments for now so my balance does not increase BUT have the option of going back on forbearance ( borrowers defense discharge ) if I choose to in the future. 

3. Due to the misinformation provided by Mohela, I want to go back to when my loans went into repayment and make the monthly payments retro actively so i can take advance of the SAVE plan benefits retroactively. Over XXXX in interest has accrued on my account which is not acceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I submitted an IBR recertification form on XX/XX/24. OnXX/XX/24 I received notification from MOHELA that the recertification has been denied. I spent over 2 hours on the phone with MOHELA representatives on XX/XX/24 and was unable to reach anyone that could assist me with either explaining the reason for denial or assisting me with entering a payment plan that is eligible for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
DataVerify, a self described single-source platform for " data verification, fraud prevention, and compliance assistance '' is inaccurately reporting 5 foreclosures on a consumer report that was used by my mortgage lender to deny my loans. 

I have never owned any property in the State of Florida, I have never had a foreclosure in my life as alleged by DataVerify 's willful inaccurate reporting. 

As a result of DataVerify 's continued inaccurate and negative reporting, I have suffered actual damages, including without limitation invasion of privacy, out-of-pocket expenses in challenging Dataverify 's knowing, willful and intentional inaccurate reporting.

Dataverify fails to provide information for the average consumer to dispute these inaccurate and negative Consumer Report, as defined by 15 U.S.C. 1681a ( d ) ( 1 ), impacts a consumers eligibility for : A. credit or insurance to be used primarily for personal, family, or household purposes ; B. employment purposes ; or C. any other purpose authorized under section 1681b.

As a result, the information held within a consumer report impacts not only a consumers credit worthiness, rating, and capacity, but also the character, general reputation, and personal characteristics of the consumer.

Evidenced by DataVerifys failures to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates as required by and in violation of 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: AK

Complaint narrative:
I initially called several months ago to ensure that I was on the SAVE plan and to have my loans put into repayment so that interest would not accrue. I have called 3 times since then to confirm that I am on the SAVE plan and that interest is not accruing as I keep seeing interest applied to my account. Every time I call them I get a different answer. Right now my loans are no longer in repayment, and I did not authorize this. Today on XX/XX/XXXX I have spent 4 hours on hold and when I do get a real person the line disconnects in the middle of the call. One thing the representative did tell me is that there is a problem on Mohelas side with loans being kicked out of repayment and back into deferment or forbearance, thus not qualifying for the SAVE plan, allowing interest to accrue. I have also sent several messages through my portal which take weeks to receive a response and often the response is like this one from XXXX XXXX  MOHELA 's Response : Thank you for contacting MOHELA, Our records indicate that you have already called and spoken to one of our Customer Service Representatives regarding this inquiry. We will assume the inquiry has been handled. If you have any additional questions, please contact us toll free at XXXX. Our hours are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you, MOHELA '' Yet my questions are never answered and the interest continues to grow. At this point I have spent days on hold with Mohela, when I should be working on my job applications. This is an unacceptable use of government programs. Mohela has no incentive to fix this, as long as the longer they can keep my loans out of repayment the more interest will continue to grow as the SAVE plan only applies to loans in repayment status. 

On XX/XX/XXXX Mohela had me fill out another document that would put my loans into repayment so that they would qualify for the SAVE plan. They said the last representative that had me submit a hand written document requesting my loans enter repayment was incorrect regarding the proper procedure. Several days after submitting this form I saw my loans go back into repayment thus qualifying for the SAVE plan. 

However today XX/XX/XXXX I opened my account and they are no longer in repayment and thus not qualified for the benefits of the SAVE plan. I am currently on hold with Mohela and given the countless times I have called in to have this fixed I think it is going to take an outside organization such as the FTC or CFPB to rectify the scam Mohela is running against student borrowers and defrauding government of programs meant to help out recent XXXX XXXX

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