vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
This is in response to complaint XXXX. In your letter which I will attach, you stated that you submitted a request change XX/XX/2023, yet XXXX, XXXX, and XXXX are still reporting inconsistent information. How is this not a violation of the FCRA that XXXX shows that this account was paid off while XXXX reports XXXX late payments, and XXXX report XXXX late payments? The evidence will show that Covington Credit conducted gross misconduct, negligence, fraudulent and incorrect reporting. This complaint alone is more than enough proof to sue your company. Please reference my other XXXX complaints in which I am keeping a paper trail and remove this incorrect account XXXX. This complaint is my final communication regarding your claim that the account mentioned is being reported accurately. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for mental anguish. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. The following account is to be removed from my credit report within 14 days due to false and misleading information : COVINGTON CREDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
They reported that my account has been delinquent for 4 months ( XXXX, XXXX, XXXX, and XX/XX/2023 ) and they NEVER made any attempt to contact me. I was making regular payments as they were still just reporting as late. I contacted them about this 3 times and they never responded or gave an explanation of what was going on.

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 2024-01-03 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I opened my EQUIFAX credit report and there was an hard inquiry from XXXX on XX/XX/2023 that I did not recognize. I never applied for this credit card and this inquiry is a result of fraudulent activity and identity theft. I don't know who applied for this credit card in my name but it definitely was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After being released from XXXX in XXXX I obtained a copy of my credit reported and noticed someone has been accessing accounts in my name. My personal information was compromised including my driver 's license and social security card during my XXXX due to my prior living arrangement. I contacted Experian, XXXX, and XXXX via phone and mail in XX/XX/XXXX and XX/XX/XXXX in attempt to get this issue resolved. I have not received a response. These accounts and credit inquiries are impacting my credit and preventing me from getting a home. Furnishing this information to my account is in violation of 15 USC 1681B and 15 USC 1681 C-2, not only have I not given any permission or any written consent to furnish this information. Furthermore, no accounts or inquiries should be furnished to my credit profile due to identity theft. These accounts that I am referencing are, XXXX XXXX XXXX XXXX XXXX. I have no affiliation or knowledge of these accounts. I also noticed inquiries that I have not authorized such as XXXX XXXX XXXX, and XXXXXXXX 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 2024-01-03 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: PA

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian closes another complaint without fixing anything or doing anything

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NEW IMAGITAS, INC
State: CA

Complaint narrative:
I received information about " XXXX " credit cards from " XXXX. '' I thought it was an interesting concept, so I looked at the website and tried to get more information. I started the enrollment process. I wanted further information and clarification of the product and how usage works. I telephoned " XXXX " at ( XXXX ) XXXX and received a customer service representative whose voice I recognize from somewhere else associative of fraud against me, like XXXX, or something ( XXXX  XXXX ). 
Earlier today and last night, I was also looking into a bill-pay negotiation agency, who was listed as a service provider to my Roadside Assistance benefits program. The company is who claim to lower both debt and charges for utilities. The customer service representative at ( XXXX ) XXXX also had a familiar voice, but of someone I believe may have been spoofing government agency phone lines just after the covid shut down, and non-profit phone lines before the shutdown. I was told that, " [ I ] would hear back within the next few days to find the negotiation. '' So far nothing noticeable has happened, but I do not use online banking, and there have been suspicious e-mails filter into my account in the middle of the night indicative of financial fraudulent activity I have forwarded those articles as I do with the Spam I report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
My online account states You've partially paid ahead month after month and shows a lesser amount then what my monthly payment is. This lesser amount is never shown as my actual payment nor is it shown as a past due amount. This number is also never combined with my current monthly payment. ( For example, if the past due amount is {$25.00} and the current monthly payment is {$300.00} then the total amount due is {$320.00} ) This example is never shown in my account. The entire time I am thinking the account is paid and I am paying extra money into it each month to pay it off sooner ( hence the reason why I am seeing the message " You've partially paid ahead! '' ) When I called to discuss my account and why my balance is NEVER going down it turns out I am being charged in the background all while my account is giving me positive queues about how I am paid ahead. I've already paid over $ XXXX on a XXXX loan ( this information was provided by the call center ). The local branch can not tell me what I have paid so far. The interest rate does not match what I have paid in. The online account where I make my payments and view my account details are extremely deceptive telling me how great I am doing by paying ahead all the while I'm not ahead according the the branch manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 2024-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I opened a checking account at Truist. I deposited {$25000.00}. This was for a XXXX account ( XXXX ) on which I am the sole owner. 

On XXXX they sent a letter saying they were going to close the account and there was a fraud investigation. 

On XX/XX/XXXX I went to the branch to check on the status of my account and was told that there was a security investigation for possible fraud and that the bank was closing my account and terminating the relationship. 

I filed a complaint on XX/XX/XXXX with the bank. 

All the bank will tell me is that there is an investigation and that I can not access my funds. It has been almost 2 months, I am going to be evicted. 

At no point did the bank contact me for information nor the issuer of the check. The issuer actually sent me a copy of the cancelled check. When I call the bank, I can get no information on when I will get my funds or what they are actually investigating.

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 2024-01-03 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: TN

Complaint narrative:
In XX/XX/2023, I contacted XXXXXXXX XXXX  regarding account # XXXX ( letter attached ) that appeared on my TransUnion credit report. I requested that XXXX XXXX investigate the account and determine whether it was fraudulently opened. I received the attached letter from XXXX confirming that the account was falsely opened and I subsequently requested TransUnion to acknowledged and remove the fraudulent account from my credit report. ( Letter attached and XXXX dispute is highlighted in yellow ). As of today, TransUnion was ignored my request to remove this 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX confirmation number XXXX this was paid as agreed and showing up on my credit report Bank of OMAHA

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 2024-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Today I called Westlake Portfolio because I was advised that was who took my vehicle that I purchased from American Car Center. I have several XXXX XXXX XXXX and spend a lot of time XXXX. Months at a time. So I explained this to the very rude representative. I also was hung up on, I think his name was XXXX. He told me he would send the car back, push all loans back and give me a discount of 20 % twice so 40 % for an ach set-up payment. This was before he hung up. They were NOT willing to honor my previous contract from American Car Center at all. But me being very sick and knowing I have to have a XXXX XXXX soon I tried to work it out. I was given a payment of {$400.00} due XX/XX/2024 and I could get my car back. Even though I was still receiving a bad deal. He hung up on me and kept talking to me like less of a human being. So I asked for a supervisor. He refused me a supervisor and hung up in my face. I called back from a different number and he put me on hold and came back pretending to be a manager. So I simply asked for another supervisor and he hung up on me. Im extremely sick and just went to an XXXX XXXX XXXX  dealing with such disrespect from a company that I never agreed to do business with. Im in the XXXX for months at a time. I tried to resolve this sketchy deal that I dont even have a contract from and they repoed the vehicle off of private property so I can have a way to the XXXX. And was treated and talked to like a dog each time by the same person. 
This company needs to be held accountable for its viciousness and atrocities committed against original American Car Center and US Auto Car Center customers. Even if they took over the debt and contracts, where are our new contracts if youre NOT going to uphold our old contracts. And Im not elderly but Im extremely XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX through the atrocious customer service and being hung up on. Not to mention my intelligence being played with. After being held accountable and sued they need to be closed down for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am beyond stress with this company Wells Fargo. I have been needing help/ and assistance from them and I havent received any or they denied everything. 
And now my home is up at the state auction sale on XX/XX/XXXX My problem with this company is on going until, as they stated, pay the full balance so you can keep your home!! 


Wells Fargo denies a loan modification Wells Fargo refuses to accept a reinstatement Wells Fargo pursues a foreclosure or sheriff sale They sold my loan to another company about XXXX, and they maximize my credit and charge arcrueing interest that i was not aware of. I can not recall any type of mail from them until when XXXX wells fargo has been fighting to sell my home. 

I received a knock on door sheriff give me paper my home is on auction.. I was never aware I had something against my XXXX deed. I dont remember having a representative told me during the start that my loan that this was attached /against my home. The loan says XXXX XXXX credit card, XXXX as XXXX is my second language visa is credit card. I also try to remember it was {$5000.00} credit, not {$35000.00}. They try to confuse me!. I come from XXXX in XXXX, not understanding XXXX well. 

I know well alot of people got scammed by them I read bad story wells fargo take peoples home. Thats why this company got sued, and now i am one of the victims. 

Now im stuck., they charge me alot of interest I dont know how. There are probably lot of fees I dont know about. 

If I knew about this debt before XXXX or when i refinanced I would have argue about the debt, BUT THIS DEBT WAS NEVER AND IS NOT IN MY CREDIT REPORT!. 
How do one company not report a large amount of debt to the credit company? 
I have a mortgage from XXXX XXXX  XXXX and they are my main mortgage. I have never had any problem with them since XXXX when I refinance my loan. I PAY MY MORTGAGE ON TIME. 
I have never seen wells fargo in my credit report So i was not able to dispute this thru credit bureau. 
So CFPB i need help, and I to everyone that is going thru this stressful situations with WELLS FARGO, WE ARE NOT ALONE.!!

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian only has one credit card listed for me. I am XXXX XXXX XXXX. I have many auto and home loans as well as many credit cards. When I try to get a car loan they say I have NO CREDIT. When you look at XXXX and XXXX they have all my account info. I can not find any way to contact Experian to correct this issue.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2024-01-03 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: CA

Complaint narrative:
I am writing to follow up on my previous complaints regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

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 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
Mohela is not applying the PSLF ( public service loan forgiveness ) XXXX XXXX waiver to my XXXX payments that would grant me immediate forgiveness.I have been trying to resolve this nightmare for 2 years. Mohela refuses to listen or try to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
I am writing to follow up on my previous complaints regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

Company response to consumer: Closed with explanation