vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/year>, Discover Bank froze my account when I tried to transfer {$3000.00} to pay on my mortgage. I got notices that the transfer could not take place and dismissed it as the system was down. I then got emails and texts from Discover that the account was frozen and to contact them so I did by their standard phone number. I was told that our account had been flagged for fraud investigation. They would not tell me what activity led to our account being flagged. Our banking is payroll deposits, bill pays to the same 5 companies, and transfers between the same bank accounts. Available balance in the account at the time of the transfer request was $ XXXX. 

To unfreeze the account I was required to verify account information and activity on our account with XXXX XXXX XXXX XXXX while on a joint call between Discover Bank and XXXX. If Discover Bank has flagged my account to verify a transaction, this has nothing to do with any other account that I have at any other business. That I am required to verify what deposits into an XXXX account, how much the last transfer from XXXX to Discover was on XX/XX/year>, and where my husband might have last withdrawn money from an XXXX ATM while on the phone with Discover Bank is completely outside the scope of information that Discover Bank needs to resolve issues with my account. The transfer I requested on XX/XX/year> was neither to nor from XXXX and Discover could not or would not tell my why our personal banking information with XXXX was required to unlock the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion will not let me see my credit report it has been blocked for several months, and I pay for Credit monitoring. I have tried to contact Transunion by mail with no response. Please I am asking for cfpb to help in this matter of unblock/unfreeze, so I can see my report. 

thank you for your help

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 2024-03-14 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: CA

Complaint narrative:
This is my last attempt to get this fraudulent item off my Transunion credit report. XXXX and XXXX have already removed it due to fraud but you continue to violation federal law by reporting fraudulent information not associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: MOHELA
State: MN

Complaint narrative:
Received an email on XX/XX/24 that my account had transitioned to MOHELA 's new platform. I checked the account and saw that there were no payments. I paid {$1000.00} on XX/XX/24 and called to make sure it would be on my new account during the transition because they do not allow access to old accounts anymore. They confirmed that my money would be there. My new account had no payments on it. I called MOHELA on XX/XX/24 and they said there was nothing on the new account and they can not check my hold account to see where the money went. They said they could not confirm where my payment went and said it would take 5-10 business days to hear back. I told them that if my old account no longer exists then how are they still taking money out? I also asked if she could help me find my new account number and she said she did not know the answer to either of those questions. I asked the lady if she could stop my upcoming payments and she told me no and that I needed to go to my bank and have them move the payments to the new account. The bank can not do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: FL

Complaint narrative:
I asked XXXX when will the updated account information be reported to the CRAs? XXXX question- during the payment pause from XXXX - XXXX payments were made on my loan of $ XXXX for 12 months/installments - that were not counted towards the XXXX payments I needed for forgiveness. Will the money for those payments be returned to me or whom should I contact to find out? I calculated the amount that should be returned as {$2700.00} plus interest since it should have been received at the same time that I received my forgiveness letter. As of XX/XX/XXXX, I have not received a response. I have not tried to reach them via telephone because of the long hold times.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I asked XXXX when will the updated account information be reported to the CRAs? XXXX question- during the payment pause from XXXX - XXXX payments were made on my loan of $ XXXX for 12 months/installments - that were not counted towards the XXXX payments I needed for forgiveness. Will the money for those payments be returned to me or whom should I contact to find out? I calculated the amount that should be returned as {$2700.00} plus interest since it should have been received at the same time that I received my forgiveness letter. As of XX/XX/XXXX, I have not received a response. I have not tried to reach them via telephone because of the long hold times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: FL

Complaint narrative:
I asked XXXX when will the updated account information be reported to the CRAs? XXXX question- during the payment pause from XXXX - XXXX payments were made on my loan of $ XXXX for 12 months/installments - that were not counted towards the XXXX payments I needed for forgiveness. Will the money for those payments be returned to me or whom should I contact to find out? I calculated the amount that should be returned as {$2700.00} plus interest since it should have been received at the same time that I received my forgiveness letter. As of XX/XX/XXXX, I have not received a response. I have not tried to reach them via telephone because of the long hold times.

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 2024-03-15 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The inquiries were not initiated by me and I firmly believe they are fraudulent. I implore you to conduct a detailed investigation and promptly erase them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I contacted Navy Federal Credit Union multiple times one date being XX/XX/24 and XX/XX/24 letting them know that I opt out of them sharing my nonpublic information with nonaffiliates like XXXX XXXX XXXX without my permission or consent. They have shared over XXXX different checking and savings accounts and over XXXX of my transactions from all XXXX accounts and their status Please see attached documents for reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: FL

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. 

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, has violated my rights.

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 an 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 2024-03-14 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: CA

Complaint narrative:
This account was charged off as a collection on the following date XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account which is also inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX & TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX TRANSUNION Account Name : XXXX XXXX XXXX Account Number : 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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I did not consent to these inquiries and strongly suspect foul play. I urge you to conduct a thorough investigation and expeditiously 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 non-monetary relief
Consumer complaint received 2024-03-15 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: OH

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-15 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Porania, LLC
State: GA

Complaint narrative:
Bankruptcy filed XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I wrote/Call a letter to the courthouse of Georgia To verify if they report Bankruptcy to credit reporting agencies and my Feedback was they do not report to Reporting Agencies. 
I would like to know how the credit Agencies Soecify my Bankruotcy as Accurate.they never performed a fair investigation according to 15USC1681A 15USC 1681 section 603 ( 3 ) ( E ) state the consumer report portion thereof in which information on a consumer characterized general reputation of personal characteristic or mode of living is obtain through personal interviews Infirmation should not include specific information on credit report obtain directly from the consumer or from consumer reporting agencies when such information was obtained directly from the creditor My rights was violated by given rights under US c 1681A According to USC 1681sectuon 602A stated I have a right to privacy

Company response to consumer: Untimely response
Consumer complaint received 2024-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I began my loan with Toyota Financial Services in XXXX of XXXX. When I purchased a XXXX XXXX XXXX from the Toyota dealership, they told me they would defer my payment until XX/XX/XXXX. I made payments in XXXX and XXXX of XXXX, which should have led to my account being ahead by two payments from the promised due date. I have been continuing monthly payments since then. 

In XXXX and XXXX of XXXX, I had two payments returned to Toyota Financial Services ( TFS ) due to my bank account being compromised. After this, I began receiving collections calls from TFS due to late payments. Over the course of several calls with multiple TFS representatives from XX/XX/XXXX to XX/XX/XXXX, I tried repeatedly to explain that my account was actually current after the two returned payments. TFS employees admitted that they saw the initial due date of XX/XX/XXXX, but could only provide a payment history which showed the incorrect initial due date of XX/XX/XXXX. 

After a multitude of calls and discussion with TFS representatives, on XX/XX/XXXX, a TFS Representative named XXXX ( Agent ID XXXX ) informed me that their resolutions department identified the discrepancy and corrected my account to current with the next normal monthly payment due XX/XX/XXXX. This is displayed in the attached screenshot of my Toyota App showing the amount due on XX/XX/XXXX. After verifying that TFS had corrected my account, I assumed this was resolved. When I logged back in to the app to make my payment on XX/XX/XXXX, my account had once again been updated to show me owing {$4300.00} due by XX/XX/XXXX. Nobody from TFS contacted me between XX/XX/XXXX and XX/XX/XXXX to inform me that the account information had been changed. 

After unsuccessfully trying to communicate over the phone with TFS about the discrepancy being reinstated, I began a complaint through the XXXX XXXX XXXX. TFS continued providing the incorrect payment history showing my initial due date of XX/XX/XXXX. I responded to explain the issue to them once again, but before they responded XXXX ordered my vehicle to be repossessed. My vehicle was repossessed on XX/XX/XXXX. 

Toyota Financial Services has misrepresented the amount owed and my due date the entire time I've had my loan active. Their representative updated my account after we came to an agreement about the discrepancy, and it was once again updated incorrectly without my knowledge. After my vehicle was repossessed, I spoke to three different TFS representatives who all accepted that my initial payment was due XX/XX/XXXX. I have these calls recorded. TFS refuses to accept that the payment history that they provided me is incorrect due to the initial due date. TFS engaged in a deceptive due date and amount owed change without notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I keep receiving daily emails from LVNV FUNDING LLC, which I dont have a contract with & I dont know who/what this company is. Its to the point where I feel harassed. Dispute reason contract cancelled as I dont have a contract. Please remove from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A fraudulent credit card was opened without my knowledge or permission. 

JP Morgan Bank is reporting me for not paying a credit card that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
I am writing to file a formal complaint against CNU ONLINE HOLDINGS for unauthorized access to my credit report and inquiries that were made under false pretenses. This violation of my privacy and rights as a consumer is deeply concerning, and I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly. 

Upon getting a copy of my XXXX consumer report, I discovered that XXXX  XXXX a part of XXXX on behalf of CNU ONLINE HOLDINGS had pulled my credit report without my consent or authorization. Not only was this action taken without my knowledge, but it was also done under false pretenses, as I have not engaged in any business transactions or interactions with CNU ONLINE HOLDINGS that would warrant such an inquiry. 

Furthermore, upon reviewing my credit report, I noticed several inquiries that I did not initiate or authorize. These unauthorized inquiries have the potential to negatively impact my consumer file which is unacceptable. 

Inquiry Dates XX/XX/XXXX XX/XX/XXXX I am turning to the CFPB to intervene and ensure that appropriate action is taken to rectify this situation and prevent future violations of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible SEE ATTACHED. 

XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation