vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: NY

Complaint narrative:
This company have violated my Federally protected rights on more than one occasion. 

There are late payments on my account where that information should not be reported based on US code 6802. This law also states that no non-public information should be shared with credit agencies or 3rd party organizations. US code 1666b also states that that no credit card payment under an open end consumer credit plan should be treated as late for any purpose. 

15 USC 1681 also states I have a right to privacy and also state that a credit agency can put furnish anything without my written instructions. 

I have moved forward in filing a lawsuit on XXXX and XXXX. Transunion did remove items but if they do not continue to remove items I will be filing on all XXXX. This will be my second lawsuit on XXXX after one successful settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This company have violated my Federally protected rights on more than one occasion. 

There are late payments on my account where that information should not be reported based on US code 6802. This law also states that no non-public information should be shared with credit agencies or 3rd party organizations. US code 1666b also states that that no credit card payment under an open end consumer credit plan should be treated as late for any purpose. 

15 USC 1681 also states I have a right to privacy and also state that a credit agency can put furnish anything without my written instructions. 

I have moved forward in filing a lawsuit on XXXX and Equifax. XXXX did remove items but if they do not continue to remove items I will be filing on all XXXX. This will be my second lawsuit on XXXX after one successful settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: IN

Complaint narrative:
I see fraudulent inquiries on my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: MA

Complaint narrative:
My personal banking services emailed me a notice of overdraft due to insufficient funds. I checked my account and saw that Mohela my student loan servicer processed an auto debit amount of {$1500.00} on XX/XX/2023 but my monthly payment is suppose to only be {$190.00} per month as stated on my monthly bill. I called Mohela to discuss the matter and their representative informed me it would be refunded to my account within 24 hours, unfortunately this was not true. I called Mohela again on XX/XX/2023 informing them the funds have not been refunded. 

My biggest concern is how this is impacting the millions of borrowers as many people can not afford the time or resources to constantly call their servicer and be on hold for hours and many do not have the means to be depleted of their personal finances due to loan servicer 's mistakes. This is an issue of administrative mistakes that serverely impacts those who are even more underprivileged. In no other business/organization would be able to wrongfully charge consumers thousands of dollars and still be operating without putting a halt to their payment processing until issues have been resolved. Another customer representative informed me they had wrongfully charged another borrower their full loan balance! There has been no accountability for their mistakes and the level of wrongdoing is appalling. 

Loan servicers mistakes are severely jeopardize consumer 's financial resources and put consumers at risk of their housing/rent/mortgage timely payments. 

I truly hope CFPB takes this matter with utmost importance to ensure this is not another system perpetuating inequality for undeserved populations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nae-Mo Corp dba Matthews & Michaels
State: TX

Complaint narrative:
This person XXXX from MATTHEWS & MICHEAL or XXXX debt collector or skip tracing has called me so many times. 4 times this morning XX/XX/XXXX. Before XXXX. 
She called over 19 times on Friday XX/XX/XXXX. I asked her to stop calling because I dont have possession of the vehicle. She then accused me of living in the car and said she would never stop calling me. She called over 9 times on XX/XX/XXXX. Over 5 times on XX/XX/XXXX. I told her to stop calling XX/XX/XXXX and she continues to call my family. My ex husband. My brother. Harassing them by calling 5-10 times back to back. I want to Sue this company for harassment and I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: MD

Complaint narrative:
Contacted me " The law offices of Frederic I. Weinburg & associates, P.C. as a debt collector '' about a debt supposedly owed to XXXX XXXX XXXX XXXX XXXX' They do not have a NMLS in my state. They only practice in pa, NJ and CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: LA

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was coerced to sign the credit card agreement under duress. Due to urgent health matter. This was through a dental procedure which was incorrectly done. And was charged XXXX via Care credit. This dental office is called XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. And my dental insurance told me. They are not affiliated with my union.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: CITIBANK, N.A.
State: TX

Complaint narrative:
citi said I would need to provide a copy of a police report and a copy of this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: WI

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I refinanced my {$650000.00} mortgage and {$80000.00} home equity line of credit ( " Heloc '' ) from Bank of America to XXXX XXXX. The closing occurred on XXXX XXXX XXXX  and the funding occurred on XX/XX/. Prior to the closing I checked online to find out how much interest was accrued as of the funding date and received a response from Bank of America. However, Bank of America insisted that an additional 5 days of mortgage interest and 9 days of Heloc interest ( beyond the funding date ) be included in the closing costs. This amounted to {$720.00}. I contacted the local law firm that was representing Bank of America XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) and spoke with XXXX XXXX prior to the closing date. I received an unsatisfactory explanation as to why it is necessary to collect the additional interest at the closing. As expected, the funding took place on time and Bank of America was paid in full on XXXX XXXX, including the overpayment of {$720.00}. I contacted XXXX XXXX XXXX XXXX XXXX in the afternoon and told her that I expect to receive a refund from Bank of America within the next 3 business days in the amount of {$720.00}. She told me that because their firm will include the check for the entire amount of the accrued interest owed to Bank of America in their XXXX XXXX XXXX  Bank of America will not deposit the check until XX/XX/. Therefore, I am responsible for the extra day of interest notwithstanding the fact that all of the funds were delivered to their law office by early afternoon on XX/XX/. In addition, she advised me that it will take 14 days for Bank of America to refund the overpayment that they insisted they must have in order for the closing and funding to take place. In other words, I am being charged {$150.00} interest for the same day ( XX/XX/XXXX ) by 2 Banks. Correctly by XXXX XXXX and incorrectly by Bank of America. I checked online and found out that the number of mortgages that are issued on an annual basis range from XXXX XXXX XXXX XXXX Accordingly, if the average amount of duplicate lender interest charges approximated {$100.00} per consumer, consumers are paying between XXXX XXXX XXXX XXXX XXXX XXXX XXXX in duplicate interest charges ( in addition to waiting 2 weeks to receive the excess interest consumers are required to fund at the funding date ). This is outrageous and lenders and their agents should not be allowed to take advantage of consumers in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/ I was charged a transaction I put all the money in the account I was negative on Monday XXXX XXXX and I got charged a {$35.00} fee for XXXX XXXX I was negative for XXXX and this bank has the nerves to charge {$35.00} for being negative for XXXX this is why this bank is always getting sued I spoke to somebody yesterday and I explained to them that I hope I wasn't going to get charged or overdraft fee I got charged overdraft fee this bank is very very sad to charge {$35.00} for 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 monetary relief
Consumer complaint received 2023-12-12 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: TN

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: TN

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have reported unauthorized transactions on my card and filed a claim with Capital One. However, my claim was denied without receiving detailed information on the steps taken during their investigation into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: GA

Complaint narrative:
I would like these inquiries removed off of my account because I did not authorize them to run 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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Take a look at the documents attached. I urge the bureau to commence an investigation into these accounts, as they incorrectly label me as late despite my punctual payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: TN

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've tired to fix this with transunion because the information they reporting does not BELONG TO ME. regarding national credit Aduit. I have attch my XXXX report my lease agreement between me an my pervious landlord years XXXX as well as my contract with government housing dated XXXX through XXXX 4 years at XXXXXXXX XXXX XXXX  XXXX I have right to ask that a consumer reporting agency block that information from your file. this identity thief has run up bills in your name and not pay them. i have provided the consumer reporting agency with proof of your identity and a copy of your identity theft report. 

regarding medical bill I have been on XXXX since XXXX. I called Texas health resources spoke with XXXX  in billing department she told me i have no outstanding balances with them. the information common wealth is reporting is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX  and identity theft issues which also led to the decrease in credit limited. Evidence was offered after the credit card limit was dropped. Police report, proof of settlement by 3rd party went ignored by Victoria 's Secret and XXXX all bills was being paid thru bank account. Payments stopped after unjustified credit decrease. Victoria 's Secret refuses to communicate on behalf of issues. I closed the account due to unfair treatment. All credit cards was paid out of 2022 tax check. All funds lost due to decrease in credit limits are increasing payments due to credit decreases which was never my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Examine the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are being reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: IL

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

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