vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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:
I am writing to follow up on our ongoing efforts to correct the late open account on my credit report. Despite our initial attempt, I regret to inform you that this issue still persists. As we enter the second attempt to address this matter, I want to emphasize the urgency and importance of rectifying this discrepancy promptly. The presence of a late open account affects my credit score and raises concerns about the accuracy and integrity of my credit information. 

I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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 writing to follow up on our ongoing efforts to correct the late open account on my credit report. Despite our initial attempt, I regret to inform you that this issue still persists. As we enter the second attempt to address this matter, I want to emphasize the urgency and importance of rectifying this discrepancy promptly. The presence of a late open account affects my credit score and raises concerns about the accuracy and integrity of my credit information. 

I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN A LEASE IN MY NAME.

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 2024-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
I noticed a negative charge off on my credit report in colllections to Exeter Finance LLC. This Debt is not mine and I called credit bureaus as well as filed with FTC and also wrote numerous letters to all above. This information is incorrect. Fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I checked my credit report and reached out to the creditor to remove this unauthorized charge off my account and they refused. I also sent them this. This creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC1681 Section 604a section 2 states consumer reporting agency cant furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX Dear, Navy Federal Credit Union Im writing to request a option to pay my credit card off one card at a time like it appears on my credit file on XXXX, XXXX and XXXX I went through financial hardship during the time I got behind in my payments and now Im able to pay them off.. I have tried to speak with someone numerous times to pay off my debt but I was told my two credit cards were combined Which is making it very difficult to pay off my credit balance May I have the option to pay off my first card which is {$2600.00} and next I will pay off my next card.. I have been with the company since 2015 and I have always been a good member who pays my bills. 

Thank you for your consideration to look into my case..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
I am writing to dispute the presence of a bankruptcy entry on my credit report, ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) which I believe to be in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. The bankruptcy entry adversely affects my credit profile and financial standing, and I am seeking its immediate removal. 

I am invoking my rights under 15 U.S.C. 1681 et seq. to dispute this entry based on several violations, including Permissible Purpose, Right to Privacy, and a Investigative Consumer Report. Specifically, I believe that the reporting of this bankruptcy entry constitutes violations of 15 U.S.C. 1681a ( 2 ), ( 4 ), 15 U.S.C. 1681 ( a ), ( e ), and ( d ). 



Considering the violations and the lack of validation, I insist that you immediately delete the disputed bankruptcy entry from my credit report. This action is necessary to correct the inaccuracies in my credit profile and to restore my financial reputation. 

I am confident that the aforementioned violations have occurred, and I kindly ask for the immediate removal of the disputed bankruptcy entry from my credit report. Furthermore, I expect your timely response and resolution in line with the FCRA regulations. 

Please be advised that I am aware of my rights and remedies under the FCRA, and I am prepared to take appropriate legal action should these violations persist. I expect a prompt response within 30 days as per FCRA guidelines. 

Thank you for your attention to this matter. I trust that you will conduct a thorough investigation and take the necessary steps to rectify this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to follow up on our ongoing efforts to delete the fraudulent items from my credit report. Despite our initial attempt, I regret to inform you that these items still persist on my record. As we enter the second attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items deleted from my credit report. With this, I am asking for your assistance to remove the fraudulent items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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 writing to follow up on our ongoing efforts to delete the fraudulent items from my credit report. Despite our initial attempt, I regret to inform you that these items still persist on my record. As we enter the second attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items deleted from my credit report. With this, I am asking for your assistance to remove the fraudulent items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX closed my account also wf late fee and late payment needs to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-17 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: TX

Complaint narrative:
I am surprised to see my credit scored decreased for an account I did not open as reported by XXXX XXXXhere is the report on credit karma below Account Opened New XXXXXXXX XXXX XXXX XXXX account detected Between XX/XX/XXXX and XX/XX/XXXX, your account with XXXXXXXX XXXX XXXX XXXX was added to your report. This account was opened on XX/XX/XXXX. 

Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time.

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 2024-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Special Financing Company, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Executive XXXX XXXX XXXX XXXX for Misrepresentation of Services Dear CFPB I am writing to file a formal complaint against Executive XXXX XXXX XXXX XXXX XXXX XXXX due to significant discrepancies between the services promised and those delivered, which clearly violate the terms we agreed upon at the time of enrollment. 

Despite assurances of personalized career coaching and a guaranteed job placement within a specific timeframe, the program predominantly offered generic group sessions with minimal one-on-one coaching. This substantial deviation from the promised personalized service not only adversely impacted my career progression but also led to financial losses without achieving the outlined objectives. Furthermore, XXXX failed to disclose the interest rates attached to the financing of these services, which was a crucial aspect of my financial agreement with them. 

As part of my commitment based on their assurances, I have already made significant financial outlays totaling {$4100.00}, which includes XXXX payments of {$450.00} to Special Financing LLC and an initial payment of {$500.00} directly to XXXX. These payments were made under the belief that XXXX  would deliver the personalized services as contracted. 

Given the substantial non-compliance with the agreed-upon service delivery and the lack of transparency regarding the financing terms, I request the CFPB 's assistance in investigating these practices and facilitating an appropriate resolution. I believe this investigation is crucial not only for my case but also to prevent potential future consumer harm. 

Enclosed are all relevant communications, contracts, and other documentation pertaining to my interactions with XXXX. I am seeking a fair adjustment of the financial charges based on the actual services delivered and a formal acknowledgment of the issues from XXXX 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I've never had an account with Chase. I tried to open an account online, and I received the following message : 'We can't open an account for you online. We'll send more information regarding our decision in a few days to the address you provided. ' I don't know why I'm being denied opening the account. I entered all my information correctly and got that message. I've never had an account with them, and I'd like to have one. I hope you can help me resolve my query. Thank you because Chase 's letter never arrives at my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TX

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX XXXX XXXX XXXXXXXX {$700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN A LEASE IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN A LEASE IN MY NAME.

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 2024-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I checked my credit report and reached out to the creditor to remove this unauthorized charge off my account and they refused. I also sent them this. This creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC1681 Section 604a section 2 states consumer reporting agency cant furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Inaccurate account information on consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: GA

Complaint narrative:
They didnt do anything but told me that is was going to stay on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: GA

Complaint narrative:
They didnt do anything but told me that is was going to stay on my credit.

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 2024-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I am filing this complaint with the CFPB and the Federal Student Aid Ombudsman because EdFinancial continues to act in an atrociously incompetent and downright evil manner. Compliance AVP XXXXXXXX XXXX recently authorized the closure of my CFPB Complaint case ID : XXXX simply because she was embarrassed that my legitimate case outlining the ongoing flaws with the Mortgage Verification Letter had gone on well beyond the 60-day limit provided by the CFPB guidelines, however, the first file she shared was unable to be opened on a XXXX XXXX XXXX and the second one missed the mark on my correct student loan balance end date by a full year ( see provided attachments ). When will federal regulators stop pulling their punches and start fining EdFinancial ( as with XXXX and other federal student loan servicer peers ) for gross incompetence? Enough is enough! I am demanding fines and penalties of {$5000.00} per day retroactive to my original 60-day CFPB limit for CFPB Complaint case ID : XXXX. I also want an injunction on EdFinancial requiring XXXX XXXX to personally take charge of my case including all email correspondence and updates through a comprehensive final resolution inclusive of detailed root cause analysis reporting, creation and submission of a formal corrective action plan for federal review and approval, as well as mandatory retraining for the entire EdFinancial customer service team on federal student loan servicing standards and mandates.

Company response to consumer: Closed with explanation