vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The problem is on the extra XXXX XXXX  rewards for a transaction of {$250.00}, or missing {$5.00} cash rewards from the XX/XX/XXXX rewards program. 

I have set an alert on my card ending in XXXX that whenever there is a transaction of {$0.00} or more, it will send me an email on the transaction on the amount, when and merchant information. I have email records saying the {$250.00} transaction happening at XXXX on XX/XX/XXXX PST, but my BoA online account posted the transaction date as XX/XX/XXXX. This caused me to miss the {$5.00} rewards. 

Ironically, there was another transaction of {$65.00} which happened only XXXX XXXX XXXX, and it qualified the extra XXXX XXXX  as shown in the BoA online account and alert email. 

So I am requesting the {$5.00} rewards adjusted to my account ending in XXXX. 

I also called BoA at XXXX on XX/XX/XXXX PST and got a real person to explain my situations, but unfortunately he could not help. He transferred me to another department but the automated system was too difficult for me to get next real person. 

I am simply asking for {$5.00} rewards posted to my account ending in XXXX. That's it. 

I have been a client of the BoA XXXX XXXX XXXX due to my balance of close to XXXX USD with regular direct deposit from my employer. Based on my account history, I have never been a heavy-hitter for any rewards program on the BoA. It is totally fine if BoA does not honor my request. However, I would seriously re-consider the relationship with BoA due to the loss of the trust in its reward programs if that's the case.

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 2024-11-11 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: TX

Complaint narrative:
I am reaching out to dispute the inaccurate reporting of my late payment history on my credit report. My report currently reflects late payments for an account where I maintained timely payments, resulting in a misleading credit profile and unjustified harm to my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure all information reported is accurate. The incorrect late payment history is a direct violation of this standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
According to Section 605 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ), consumer reporting agencies are prohibited from reporting accounts that are past the seven-year reporting period from the date of first delinquency. Based on my records, the first delinquency on this account occurred prior to XX/XX/year>. Therefore, if this date is accurate, the debt is past the allowable reporting period and should be removed from my credit report. 
Furthermore, this account is labeled as open under the collection agency, which is misleading. Section 607 ( b ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) requires that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting the debt as open could incorrectly imply it is a revolving or active credit account, rather than a collection account, thereby misrepresenting the true nature of this debt. 


Ive reached out to Transunion, the bureau in which this information is being reported with no success and also 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 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
utive dayscombined with entries for regular payments to vendorsmakes it difficult to track my actual balance and creates suspicion about possible internal misuse of my account. 

For example, on multiple dates, I see charges and credits for {$45.00} listed as Item Transfer, Acct Bal Transfer ( TF ) alongside vendor payments of the same amount. I have not been provided with sufficient details by Wells Fargo to justify these entries. I am concerned this practice could be designed to obscure the actual flow of funds and potentially misappropriate customer money. 

I am seeking CFPBs assistance in investigating the following : 1. Verification of the legitimacy of these repeated transfers. 
2. Transparency in transaction descriptions so customers can clearly understand each entry on their account.

3. Assurance that Wells Fargos handling of account transfers complies with federal banking regulations, ensuring no misappropriation of customer funds occurs. 

Thank you for your attention to this matter. I am hoping for a swift investigation and resolution to ensure that my funds are secure and properly managed by Wells Fargo. 

Sincerely, 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 2024-11-11 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: NC

Complaint narrative:
In according with the Fair Credit Reporting Act Account 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 of privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Credit Reporting Agency can not furnish a account without my written instructions.

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 2024-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
This in lieu of complain # XXXX. 
It's says closed but if you look at the schedule thay provided doesn't take into consideration of the XXXX extra payment in year. I did explain in the feed back. They are playing games. There is fishy business going on. Take a look into it deeper. They start XXXX payment from XX/XX/XXXX and ends as XXXX pay.ent on XX/XX/XXXX. So where does the XXXX payment go. It should start on XXXX as XXXX pay.ent and end as XXXX payment on XX/XX/XXXX. 

I would request CFPB to look into it. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
Unable to set up autopay with Mohela after they transitioned my account to their new platform in XX/XX/XXXX. I previously had autopay before they transitioned my account to their new platform, my autopay status should have carried over but it did not ( per their website- automatic payments should have continued when my account transitioned to their new platform since I was already enrolled in autodebit ). Since XXXX, I have spent many hours on the phone trying to reconcile the issue and enroll in autopay without success. I have attempted to add my account information to re-enroll in autopay 3 times ( XXXX XXXX XXXX XXXX XXXX ( after speaking to a supervisor who said I needed to reapply ), and XX/XX/XXXX, XXXX manually via paper with PDF submission online ( after speaking to another supervisor who told me to reapply via paper application ). Despite XXXX attempts to re-enroll in autopay + XXXX supervisor phone calls at Mohela ( and many more regular agents ), this issue continues to go unresolved. The last supervisor I spoke with on XX/XX/XXXX said that " there are multiple closed cases related to this issue on my file and they are listed as closed and unresolved '' - meaning no further action is taking place to resolve this problem. Since my account requires manual payment each month, I have now missed out on the 0.25 % interest rate discount for nearly 6 months. I have $ XXXX of student loans and have been paying without the autopay discount for 6 months- this is a lot of money that I have lost and continues to compound each month that they delay taking action to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Dispute of Inconsistent Reporting on Car Loan Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my CLOSED car loan account, XXXX XXXX XXXX ( Account Number : XXXX ) as reflected on my XXXX credit report. It has come to my attention that this account is showing as " open '' on XXXX, while both TransUnion and XXXX report it as " closed. '' Additionally, this account is inaccurately reflecting 30-day late payments with XXXX and Transunion that are not substantiated by my records. 

This inconsistent reporting is completely unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and reliable information. The discrepancies between the credit bureaus not only confuse potential creditors but also severely damage my credit score and financial reputation.

I demand an immediate investigation into this account to address the following : 1. Clarification of why this account is reported as " open '' on XXXX while being marked " closed '' with other bureaus.

2. Verification of the alleged 30-day late payments, including specific dates and details that support this claim.

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

Your prompt attention to this matter is not only expected, it is absolutely necessary. I will closely monitor your response and pursue any necessary actions should this dispute remain unaddressed. 

Sincerely, XXXX XXXX XXXX XXXX : Copies of supporting documents, if applicable

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 2024-11-11 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer report agencies need to report all information with complete accuracy. This account has not been late this account was switch to a business account on XXXX this account is reporting a late payment/collection on XXXX Im now requesting you to investigate and provide verifiable proof with records showing that I had late payment. If this information can not be verified I demand these payments to be updated to pay on time immediately. Thank you for your understanding and prompt action.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
In XXXX I used a ATM at XXXX XXXX XXXX in NORTH CAROLINA to withdraw {$200.00}. The ATM didnt give me the money but withdrew it from my account. I called NAVY FEDERAL to report this problem. After an investigation I was told there wasnt an error and my account went into the negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am filing a complaint with the CFPB against Midland Credit Management ( MCM ) for failing to properly validate two debts ( {$1100.00} and {$780.00} ). After sending four debt validation letters, MCM only responded with a generic bill that lacked the required documentation to confirm the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
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 I am writing to request that XXXX XXXX and remove specific fraudulent accounts from my credit report as provided under 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft connected to the recent data breach, which has resulted in unauthorized accounts being opened in my name. 
The accounts I am requesting to be blocked and deleted are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have included copies of my identity theft report, identification documents, and any other relevant supporting materials to assist in processing this request. 
I appreciate your prompt attention to this matter and look forward to confirmation of the removal of these fraudulent accounts. 
Thank you for your cooperation. 
Sincerely, 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 2024-11-11 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: MD

Complaint narrative:
XXXXXXXX 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 I am writing to request that XXXX XXXX and remove specific fraudulent accounts from my credit report as provided under 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft connected to the recent data breach, which has resulted in unauthorized accounts being opened in my name. 
The accounts I am requesting to be blocked and deleted are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included copies of my identity theft report, identification documents, and any other relevant supporting materials to assist in processing this request. 
I appreciate your prompt attention to this matter and look forward to confirmation of the removal of these fraudulent accounts. 
Thank you for your cooperation. 
Sincerely, 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 explanation
Consumer complaint received 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want these XXXX new credit check without my consent i want them remove from my credit report my as my credit has a fraud alert on it and i have received no call to confirm my identity XXXX XXXXXXXXXX/XX/XXXXXX/XX/year>

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 2024-11-11 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: AL

Complaint narrative:
In XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: AL

Complaint narrative:
In XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

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 2024-11-11 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: NY

Complaint narrative:
I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report 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 explanation