vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VA

Complaint narrative:
I have set up Auto payments 3 times now and each time I get a notification that the payment was reversed and I am past due. I have triple checked my banking information is correct. I have researched and this is a very common issue among EDFinancial users.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MRS BPO, LLC
State: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Mrs BPO LLC XXXX XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: OH

Complaint narrative:
On XX/XX/2023, i was robbed by the a stranger who stole my XXXX XXXX XXXX, he used my card to take money out of the account. i spoke with XXXX XXXX XXXX XXXX, they told me to send proof- such a police report and evidence of the incident. I provided the information to them, they are trying to say they can not refund me my money that was taken out in the amount of XXXX dollars. I provided everything they needed and they are failing to provide me with my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 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: PA

Complaint narrative:
I ordered my most recent consumer [ credit ] report from XXXX on XX/XX/XXXX, but once received, I became concerned regarding 5 hard inquiries, all of which without permissible purpose ( per 15 U.S.C.,1681e ( b ). Please see attached credit report and letter, as they provide evidence that Transunion has [ knowingly ] been in violation of my consumer rights per FCRA guidelines, for an extended period of time, ultimately affecting my financial health. The following are the hard inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
IVE DISPUTED THIS ITEM NUMROUS OF TIME ON MY CREDIT REPORT. 
XXXX XXXX XXXX IN aCCOUNT NUMBER XXXX. IVE ASK THEM TO VALIDATE THE DEBT, IT IS NOW DAY XXXX, AND STILL HAVENT HEARD ANYTHING FOR THEM. SO IM ASKING THAT THIS ITEM BE REMOVED.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
IVE DISPUTED THIS ITEM NUMROUS OF TIME ON MY CREDIT REPORT. 
XXXX XXXX XXXX IN aCCOUNT NUMBER XXXX. IVE ASK THEM TO VALIDATE THE DEBT, IT IS NOW DAY XXXX, AND STILL HAVENT HEARD ANYTHING FOR THEM. SO IM ASKING THAT THIS ITEM BE REMOVED.

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 2024-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: GA

Complaint narrative:
On XX/XX/2023, I had my car repaired, and I took a loan from Koalifi, who is DBA West Creek Financial. I borrowed a total of {$3500.00} and have paid a total of {$2600.00} to date, when I contacted the company to pay the debt off, they said I could pay it off with XXXX, which is in addition to the {$2600.00}, I have already paid. This is predatory unfair loan practices. I was supposed to pay the XXXX in 90 days to avoid the excessive fees, but I didn't have the money because my mortgage had doubled due to an increase in property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
A payment was made to zales on XX/XX/23 for {$3200.00} and refund for the credit balance of {$1200.00} was requested on XX/XX/23. I was advised that it would be received via ACH within 17 business days then I was told 21 business days. It has been well over the time period & I requested in writing via electronic written message and it was supposed to be sent within 7 days of that request. Comenity bank is violating my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: PA

Complaint narrative:
I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 16811 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind because everything is inconsistent.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Larry H. Miller Group of Companies
State: MO

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible Purpose ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: OK

Complaint narrative:
Transunion is not doing proper investigations. I sent dispute on XX/XX/XXXX and it was completed XX/XX/XXXX. Once Transunion Completed the information was not updated Transunion verified that the balance {$9700.00} showing for the tinker federal credit loan for a vehicle is correct and its not. The balance should show {$7600.00}. I would also like to exercise XXXX as I was XXXX when I voluntarily called to get the car repossessed

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 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/year>, I completed a legitimate transaction and received payment in the amount of XXXX XXXX, but the following day, Wise disabled my account and prevented me from accessing my funds. I was directed to make an appeal when I contacted customer care. I did and provided my identity details, but after providing all the necessary information, they replied that my account would remain closed and I would not be getting a refund.

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 2024-01-24 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: Incomm Holdings Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I purchased six Vanilla Visa gift cards ( distributed and serviced by Incomm Financial Services , Inc ) at a local XXXX XXXX XXXX  supermarket. Four of the six cards were used within the following XXXX days and two of the cards remained unused. On XX/XX/XXXX the balances on the two unused cards were checked at the Vanilla gift card website ( XXXX ) and both had the same balance they had when purchased ( {$480.00} and {$500.00} ). At the time, I was going to register the cards in my name and address, as I had with other gift cards, but was surprised to find there was no way to do it. On XX/XX/XXXX when trying to use one of the cards to make an online purchase the payment was declined. I immediately checked the balances of both cards at vanillagift.com and the remaining balance was zero on each one. It showed both cards were used to make large purchases at XXXX on XX/XX/XXXX that drained all of the funds. The transactions made at XXXX are all fraudulent. Both cards have been in my possession ever since buying them and I nor anyone known to me has ever used them to make any purchases. On XX/XX/XXXX, I filed disputes of the fraudulent transactions with Incomm at XXXX  and pictures of the cards and the receipts were emailed to them as requested. On XX/XX/XXXX the status of the cases at vanillagift.com indicated the cases were " resolved '' even though no correspondence was received by me from Incomm since filing the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
I've been reviewing my credit report since XXXX of XXXX  and have sent many disputes in regard to the closed child support account that is affecting my credit report. The Account is closed and the child resides with me. This is a violation of 15 U.S. Code 1681e and 15 U.S. Code 1681i. They have continued to report this account as verified and correct. I have court documents that support that the account is closed and they still have ignored my request to remove the account.

Under 15 U.S. Code 1681e and 15 U.S. Code 1681i this is account is in violation, it list Child support as a furnisher and this forgery and misleading and affecting my life. The courts do not report these kinds of accounts. 

They also report differently between Transunion and XXXX, one says closed the other states still in good standing and open when calling child support the speak rude over the phone and told me its automatic account that reports every 30 days they cant stop it. When i speak with Transunion they tell me to call child direct when i call support they tell to contact Transunion. There has been so solution between both sources. Even with supported documents which i will upload. 

DIVISION OF CHILD SUPPORT ( 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
Ive been trying over and over again, but I just cant seem to get rid of these false inquiries on my credit report. They have nothing to do with me, and Im not responsible for them. Theyve been causing me a lot of stress, both mentally and financially. As someone whos had their identity stolen, I feel like I have no choice but to think about taking legal action if this isnt sorted out properly. These wrong and fraudulent entries on my credit report have stopped me from buying the house Ive always wanted and from taking care of my familys needs. Theyve really hit me hard financially.

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 2024-01-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: NH

Complaint narrative:
It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is XXXX XXXX the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments and inaccurate information that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Please see attached, document with proof of inaccurate information on my consumer report. I request that you promptly delete all late payments and inaccurate accounts and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ). I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed. Per the FCRA, as a Federally Protected Consumer, I am now opting out of ANY and ALL authorization I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Subject : Urgent Address Regarding Violations of Federal Law - 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2 Dear Navy Federal Credit Union , I trust this letter finds you well. I am writing to bring to your attention potential violations of federal law codes, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. Upon careful examination, concerns have arisen regarding compliance with these codes, particularly related to the verification of billing statement receipt and accuracy of reported information.

Under 15 U.S.C. 1666 ( b ), creditors are required to adopt reasonable procedures for verifying the receipt of billing statements. The absence of a robust system for confirming receipt, whether paper or electronic, may constitute a violation. Additionally, 15 U.S.C. 1611 ( 1 ) prohibits furnishing false or inaccurate information, raising questions about the accuracy of reported information, especially regarding late payments.

The gravity of potential violations under 15 U.S. Code 1681n, addressing willful non-compliance with federal law, is emphasized. Regardless of prior awareness, addressing any breaches of consumer rights is crucial. Attention is also drawn to 15 U.S. Code 1681s-2, which requires furnishers of information to provide accurate and complete information to consumer reporting agencies. 

I kindly request that you promptly review and address this matter. If violations are found, I urge Navy Federal Credit Union to take corrective action, including updating my account status to paid as agreed to rectify any potential adverse impact on my credit history. Ensuring my credit report accurately reflects payment history is crucial, and I trust you will consider this matter with fairness and urgency. 

Your immediate attention to this request is of utmost importance, and I anticipate your cooperation in resolving this matter promptly. 

Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/24 - I got a hard inquiry on my credit report from XXXX XXXX XXXX ( XXXX ) XXXX. This is a fraudulent activity or identity theft On XX/XX/24 - I got another hard inquiry on my credit report from Td Bank N.A ( XXXX ) XXXX. This is also a fraudulent activity or identity theft I have not been able to contact anyone at those banks since I am not a customer. I called XXXX and placed a freeze and fraud alert on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C.
State: FL

Complaint narrative:
This debt is factually incorrect and inaccurate I did not have a lease with the creditor from the dates provided in the validation of the debt The lease provided is not signed by me The amounts provided in the validation are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I request you to revise the report after due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: FL

Complaint narrative:
I received several emails from Chime about a new account that was opened, and to link my direct deposit to fund it, and to expect my physical card in the mail. They had my email, and my mailing address correct. 

I then received several more emails about money I had sent to others. 

When I called Chime to report a fraudulent account, they wanted my full name and the last four of my social. I was hesitant to give them this, but I did. They confirmed an account was opened, and they would immediately close it and that I would not be responsible for any charges. 

I then asked for an email stating all of this, and they agreed and sent it out immediately. 

Their customer service seemed very familiar with this type of call and problem, so it makes you wonder why Chime doesn't do a better job of verifying people?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

Company response to consumer: Closed with explanation