vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 


Account Name : OAG CHILD SU Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
15 U.S.C. 1681a ( exclusions ) was supported when contacting all persons. None of the reporting agencies deleted the requested information and concluded as accurate. They are violating my consumer rights under 15 U.S.C. 6801 ( a ).

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 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This is a follow up to The Navy Federal case that I have been trying to settle for several Years. The XXXX XXXX XXXX has added an additional XXXX in fees and interest after refusing to settle the case for XXXXXXXX XXXX. I also attempted to settle for the XXXX and I could not reach XXXX who made the offer after they brought a judgment to court. I never got a return call from XXXX. I only spoke to XXXX XXXX who stated they would never settle for XXXX. I brought a motion to court this month and spoke with the attorney and I am awaiting a settlement amount in writing that could bring this to a close. I hope they are reasonable. adding an additional XXXX is also a problem as no one reached out to me for a year and a half. They also began garnishment of my pay and will not give me any credit toward the settlement amount. I ask that the CFPB keep a record of this issue as I am sure this is common among XXXX XXXXXXXX XXXX I ask that I get credit for what I have paid them toward the settlement amount. I also ask that the judgement be vacated to allow me to move forward in mhy clearance adjudication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Dear Experian, and XXXX and CFB I am writing to you regarding a discrepancy in my credit report. I have requested proof that two accounts from XXXX XXXX belong to me, but I have not received a response for one of them. All the time I get a response that you verified the information and it's accurate. These two accounts are still showing in my report and affecting my FICO score negatively. also, your report shows both accounts are charged off and yet you are showing payment is due and I have gone over the limit. can you clarify? how charged account payments become due all of a sudden? This is causing me difficulties in obtaining a car loan. 

I have tried to contact you by phone and email, but your call center is closed, and I have not received a reply. I am very frustrated and disappointed with this situation. I need you to either delete the account from my report or provide me with proof that it is mine. Why is XXXX XXXX increasing my credit limits while not verifying my accounts? 

You are my last hope to resolve this issue. Please take action as soon as possible and help me. I need proof that this account is Mine. It has been over 6 months and accounts are not resolved. 

Sincerely, 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 explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
They had sent me a trial forbearance agreement during the process of my bankruptcy, but the payment was still too much and it was impossible to get a hold of my one point of contact. Their employees make misleading statements to make you think they are helping and they are not. I sent in proof of insurance to get them modify the past due amount and they never responded. Another time an employee named XXXX told me to send the documents to XXXX and they would make the changes there. They are a predatory mortgage lender and their employees are a reflection of their deviousness. 

Then, I submitted a loan modification application on XX/XX/23 to Selene Finance and they refused to review saying there wasnt enough time to review it before the auction sale which was XX/XX/23. The opening bid was XXXX and it was sold back to the beneficiary which is Selene Finance. I believe they violated my homeowners rights and they also never posted a notice of the trustee sale on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I deposited a check in Atm for XXXX. My XXXX. When deposited it the atm read as XXXX. This was on the XXXX of XXXX. I called bank and made the aware of the mistake and they would look into it. The bank ( Navy Federal Credit Union ). I wait the wait time and they put money in my current amount but not my available. I called the bank and they told me it was I bad check and be returned to the issuer XXXX XXXX. I have called XXXX XXXX they told that check has been cashed I been on phone with the bank and XXXX XXXX trying to sort this out. Today XXXX and nothing has been done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Wise.com offers a borderless account with XXXX so you can convert money to any other currency and spend it on a pre paid XXXX. 

The problem becomes when you have arrived in a foreign country like XXXX and the card refuses to work in any store or ATM. That causes difficulty if youre hoping to use it as a primary payment card. 

There is some well hidden fine print that has a list of countries the service doesnt work in, but its not obvious to find. 

The end result was all my vacation money was converted to XXXX XXXX at cost, then had to be forcibly converted back at cost, then transferred to my bank at cost for a service that could but didnt warn me that it wouldnt work for that country. 

Being in a country with no ready access to money was very scary, especially with a legal system like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received documents stating that bank of america closed my two checking accounts and two savings accounts on roughly XX/XX/23 due to some undisclosed fraud. I was told I should receive the funds within 4 business days. However, my paycheck was direct deposited on XX/XX/23 so it seems that my account is still active. I am awaiting information on how to receive the remainder of my funds, close to {$3000.00}, but I keep getting the runaround.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
My XXXX XXXX XXXX XXXX account will not report to TransUnion. I have called the card issuer and TransUnion. Please report the account in good standing.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I wired {$20000.00} from my XXXX account to below detailed recipient but their account has not been withdrawn. The request for the refund has been rejected by their bank. I need legal help. Wire transfer information Date : XX/XX/2023 Account Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, NY XXXX Recipient Account information Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX XXXX Bank XXXX Bank of America XXXX Address : XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX I reported to XXXX XXXX where I sent the money from but they said Bank of America has nothing left. They claim the money was withdrawn by the recipient. My recipient was never able to access and withdraw it so Bank of America is lying and stole my money. Either provide the proof that recipient did withdraw or return my money. Otherwise I will report to FBI

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I paid off my credit card balance of aprox XXXX XXXX short. I expected to get charged 19.99 % interest on XXXX. Instead Capital One chrged me 19 % on my average monthly balance of XXXX even though they only had an over 30 day balance of XXXX I believe this is deceptive and Capital One should change % of balance remaining or % of average daily balance which ever is less. Capital One XXXX XXXX XXXX ID XXXX said she will report it under XXXX but I want to make sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
XXXX MOHELA customer service keeps hanging the phone up after being on hold. They have the phones turned off due to high call volume at XXXX when they open. They are not answering questions when they are emailed and only say vague information to direct questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I have made 3 calls on total since making my last payment for a deferment, the deferment wasnt honored by them and I was told it would be fixed by a manager, I was also told I would receive a call back and never did, this is still being reported in my credit inaccurately as well do to them not updating my payment that was made and now Im being threatened that my car will be repossessed once again by this company, at this point these practices are deceptive and dishonest, having a consumer make a payment and not crediting them for the payment is against the law and I would like this loan completely forgiven as I wish to no longer do business with a company like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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