vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 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: VA

Complaint narrative:
I have recently checked my credit report and noticed that there are about 9 inquires on my report. Majority of them are inaccurate. I have filled out a FTC report with the inquires that are inaccurate as i have not authorized these companies to run my credit. Only XXXX is the inquiry is accurate the rest are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My credit score continues to decline due to old fraudulent debt that continues to reappear on different bureaus. Wells Fargo added charged off debt from XXXX. They have me owning a vehicle that they took. They have not sent me any documentation that shows I had a loan with them. They added it to my credit reports after the credit bureaus removed the debt. This continues to happen over and over again. I thought it was illegal for creditors to add debt with different dates to all three credit bureaus. I am XXXX XXXX XXXX and have been fighting all this fraud on my credit for years. I dud hire an attorney but he needs documentation. He also stated in my case that Wells Fargo should not be showing anything on my credit report due to this being disputed. He also stated that no one can add debts with different dates on my credit report after it was removed due to me being an identity theft victim.

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 2023-09-14 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: GA

Complaint narrative:
This is not mine 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 2023-09-14 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: GA

Complaint narrative:
This is not mine 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 explanation
Consumer complaint received 2023-09-14 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: IN

Complaint narrative:
XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 For these months I have been disputing the same accounts with TransUnion, XXXX and now XXXX for inaccurate information that they have not completed a proper investigation, instead keeping these inaccurate items on my report!! 

I have asked serval time to provide who have they spoke with, method of validation and proof that alleged debt is mine and still have not received anything but items are still on my report and duplicate accounts!! 


They also keep sending me stall letters stating its not me who is sending the letters! 

Also, an account that was inaccurate has been removed from XXXX previously and somehow reinserted back to my credit report! That is violation of my consumer rights!! 


Furthermore, same accounts that are on XXXX and TransUnion are not on XXXX, which is also in violation of my consumer rights!! I was aware that everyone have rights to accurate credit reports and these agencies are not doing that!!

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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
In XXXX, Discover Bank requested some additional personal information. 
I informed them I would be mailing it within 24 hour which I did.

They claim they did not receive the information and instead of informing me they did not receive it, which I would gladly email or fax, they closed my account and reported it to the credit bureau without ever contacting me first. 
I spoke to them and they simply stated " sorry, notining we can do now ''. 
this is a very unscrupulous practice since I should have been notified they did not receive the information before taking such action against a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: SC

Complaint narrative:
I called the branch manager to speak with her about the collections department and she was very rude. I hung up on her and she continued to call me 13 times from XXXX to XXXX and I have the calls logs. This is plan harassments and needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
I received a refund to my Cash App card on XXXX XXXX XXXX  from XXXX to Cash App for {$29.00}. Cash App cancelled the refunrn with no explanation. 

I have requested answers to the issue with no response from Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
Attempted to call debt collectors but was told they did not exist anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
My student loan payments have been over XXXX payments for almost a year ; I have initiated all needed forms and verification to Mohela, and they are continuing to claim they have no control over getting the US Dept. of Education to update the payment counts. 

My initial PSLF application was with XXXX XXXX, and then it needed to be transferred to Mohela. Then, I needed to do the consolidation, which happened prior to the deadline for consolidation in Fall of XXXX. Then, an updated PSLF application was needed to update the payment accounts for XXXX, XXXX, and XXXX, which was submitted and accepted XX/XX/XXXX. Now, 7 months later, my payments are still not updated. 

Every single call or chat with Mohela has no resolution. Mohela says they are at the mercy of the US dept. of Education to have the payment counts updated. 

Both Mohela and StudentAid.gov need to update payment accounts faster, and it is especially egregious that they have not updated the payment counts for those that do qualify for forgiveness, forcing me to jump through yet more hoops in order to get into deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: AL

Complaint narrative:
These accounts where open with out my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE

Complaint narrative:
Fifth Third Bank services two mortgage loans on which I am the borrower. I make payments on these loans on the XXXX of each month, before a late payment fee is assessed. I have never been informed that there is a time by which payment must be made on the XXXX ; I have always understood that the late fee would be avoided if payment was made by the end of the day on the XXXX. 

In XXXX I made the payments on my mortgage loans at XXXX and XX/XX/XXXX XXXX Eastern Daylight Time. I later received correspondence assessing late fees of {$96.00} and {$53.00} on the loans. 

On XX/XX/XXXX I called Fifth Third and spoke with " XXXX ''. I explained the situation and asked that the late charges be waived. He said one late charge per year could be waived on each loan. 

Then XXXX informed me that he would not waive the XXXX late charges because there had been waivers of late fees on the XXXX payments. Fifth Third had never informed me that it had assessed or waived late fees for my XXXX payments ( which had been made at XXXX and XXXXXXXX XXXX EDT on XX/XX/XXXX ). I explained that, based on my records, late fees should not have been assessed in either XXXX or XXXX. 

After quibbling with me about actually submitting a request for waiver of the late charges and purportedly speaking with a higher authority, XXXX then " allowed '' me to make a request for late charge waivers. He said a response would be provided in ten days. I then asked to speak with XXXX 's " higher authority ''. After being on hold for 15 minutes, I concluded XXXX and his staff had " ghosted '' my call ( i.e., just put my call on hold and forgotten about me ). 

I have never gotten a response to my request. More importantly, my late fee charges have not been reversed. 

My complaints are that : 1 ) improper and undisclosed late fees were assessed against my account in XXXX, XXXX ) improper late fees were assessed against my accounts in XXXX, 3 ) my request for reversal of the late fees has apparently not been received or properly processed, 4 ) I was " ghosted '' during my inquiry call, 5 ) the late fees assessed against my accounts in XXXX have not been reversed, and 6 ) I have not gotten a response to my late fee waiver request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid off my balance over the phone as I thought I had already paid it. I pay my bills in the entirety usually before I get the bill. I received a notice to pay and called because i was confused I had already paid it. It was 2 days after due date and the person said they would give me a 1 time courtesy for the late fee. I guess it never happened and received an alert through text 2 weeks ago that I owe {$140.00}. It is late fees upon late fees for the promised 1 time courtesy back in XXXX. They said they do not have the transcript of the phone call. And strange I only received notice now. 
My balance should be {$0.00}. It is some scam the company is using

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I applied for a XXXX XXXX ( XXXX ) on XX/XX/23. As I had frozen my credit reports with XXXX XXXX, XXXX and XXXX through Lifelock the application was denied as I had to lift the freezes. I was successful with XXXX XXXX on - line and by phone with XXXX but not Experian. I repeatedly attempted to contact Experian via phone, on - line and then finally obtained direction to contact them by mail- which I did on XX/XX/23. As of this writing I have heard nothing from them and still my credit report remains frozen. I received numerous letters from XXXX  re status but Experian remains the problem. There is no person to talk to, no way to get past the problem and I need my credit unfrozen. If there was a need for a major purchase what would I do? 
May I add that I have a credit score over 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 2023-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I made a payment on XXXX for {$490.00} to New York and Company Comenity Bank and was told my payment declined. I requested proof from New York and Company Comenity Bank that the payment declined, and I was told I could not receive the proof. I kindly request that New York and Company Comenity Bank provide a complete and detailed accounting of the entire transaction, from its inception to the present. I am not interested in receiving bills, statements, or invoices alone. Instead, I require a comprehensive accounting to determine the honest party in this dispute. Furthermore, documentary evidence on this account would include documents, papers, correspondence, books of account, and financial and corporate records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023 at around XXXXXXXX XXXX. there was a hard credit inquiry on my credit report accounts from the bank capital one that I never applied for. I was checking my emails on XX/XX/2023 at around XXXX XXXX and noticed I had many of them from cXXXX XXXX XXXX XXXX XXXX XXXX notifying me about the credit report on the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I confirmed via phone, multiple times, a passed due loan amount of exactly {$65000.00}, ( a pay off quote for my 2nd mortgage ), with Specialized Loan Servicing ( SPS ), during the last week of XXXX, XXXX. I was given a due date of XX/XX/. I paid the debt on XX/XX/ around noon, via wire transfer, which cost me a bank fee of {$30.00}. I confirmed with SPS within the next 48 hours, that they had received the payment, as my bank account showed that the funds were withdrawn. 

On the evening of XX/XX/, I discovered that the payment was returned to my account. I contacted SPS around XXXX the following morning. I was told that I had paid an insufficient amount, thus the payment was returned. I explained that my payment, was the exact payment I was directed by SPS to pay. I then asked to speak with a manager ( XXXX ), who told me that she would escalate the matter to another department, and contact me with a decision. I told her that I would check on the status after 2 hours. When I checked on the status, I found out that the manager had requested that the bank accept less of a payment than what I owed, which was not my request. I asked the agent who gave me the update, to correct the request, to reflect that I was seeking a refund of my wire transfer fee, and that no additional interest fees are added, as the misinformation from SPS led to the return payment. She said that the bank would likely decline that request, and they would not discount any fees, or return any fees. This led to my complaint here today.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I was continually talked over. Was told I would receive documents via email when I went to email and junk mail and could not find what he said he sent, he then changed delivery method to US Postal Service. Was told by XXXX XXXX ( XXXX XXXX, but when I called back was told by operator that XXXX XXXX who is in charge of collecting thus already paid amount for breaking a lease on a XXXX infested, Mold filled, contaminated apt that I had an air quality test done on but was still required to pay to leave such medical unhealthy accommodations, was not XXXX another lie because the person I spoke with when I could get a word in had an XXXX accent ) that XXXX XXXX XXXX XXXX again requested in XXXX XXXX collection of this alleged debt then he changed this statement to XX/XX/XXXX as last time XXXX XXXX contacted National Credit Systems. XXXX XXXX stated he would contact XXXX XXXX and verify debt but seems like a lie. This should have been done already. Unscrupulous tactics that include lying. This happened today but with all the lies I just don't believe this company will follow through and check for accuracy of amount already paid or send the documents. I followed up with an email to them requesting everything with address provided.

Company response to consumer: Closed with explanation