vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: NY

Complaint narrative:
I am writing to formally dispute alleged late payments reported on my account.This late payment was reported by XXXX XXXX XXXX  to credit reporting agencies XXXX, TransUnion and XXXX. I believe these entries are inaccurate as the payment dates and transactions have errors.I do not believe the creditor has followed legal requirements to report such under the Fair Credit Reporting ACT and related laws.

Legal Basis for Dispute : Under 15 USC 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report.As such, any transaction between myself and XXXX XXXX regarding this account should not be included in my consumer credit report.

Under 15 USC Code 1681a ( 2 ) A ( ii ), 1666b and 1637b, the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request For Action : If XXXX XXXX can not provide necessary proof of mailing the required information, I request that these late payments be deleted from my credit report.Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice.

Late Payment ( s ) in Question XXXX, XXXX, XXXX, XXXX, XX/XX/year>. 

Thank you for your prompt action to this matter. I look forward to your response and justification that these illegal and inaccurate late payments have been 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 non-monetary relief
Consumer complaint received 2024-12-09 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: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here Is the account I am asking you to verify as accurate : account name : XXXX : account number : 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 2024-12-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
after paying off my account in full I received an interest charge. I had recently moved to a new address and notified the credit card company of the new address but never received any statements showing the interest charges on my account. several months later when I tried to use the card again it was declined which is the only reason I saw the late payments. shortly after I received a notification that my credit report had been negatively impacted. I tried resolving this directly with the credit card company and although they acknowledged that statements had been lost in the mail with other accounts and that it usually happened with address changes they refused to take this into account. I explained that I had no knowledge of any balance on my account and that I had never missed payments before. 

In XXXX of 2024 I paid the entire balance of {$570.00}. 
in XXXX they charged interest of {$11.00}. I never received a statement. 
In XXXX they reported the account as past due in the amount of {$13.00}. I still had not received a statement or bill. When i learned this i immediately made the full {$13.00} payment to the credit card company and began my dispute with them.

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 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information 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 non-monetary relief
Consumer complaint received 2024-12-09 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain 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 explanation
Consumer complaint received 2024-12-09 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I have a Synchrony Bank credit for {$6000.00} that I use to purchase in rooms to go. 
They suddenly decided to reduce my credit without any explanation or reason, affecting my credit score in XXXX points down they didnt consider even a call I had a refinance schedule for this past month and by reducing the credit without any notice they took 30 points of my credit as a result my refinancing was denied. This bank needs to be hold accountable for the damage they induced in many of their clients.

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 2024-12-09 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: Solar Mosaic LLC
State: CO

Complaint narrative:
On Thursday XX/XX/year>, I logged into Mosaic 's portal to pay my loan payment as usual. I paid via ACH for the required payment amount. I noticed after paying that my interest rate in their portal was 4.49 % instead of the agreed upon 3.99 %. I thought this was odd, but I had cancelled autopay some time previously since it looked like they were going to draft my bank account for a payment that I had already paid. I didn't want to make double monthly payments.

I checked my loan agreement and didn't see anything regarding autopay in the loan terms. I did see that they would increase my interest rate by 0.5 % if I or they cancelled my ability to pay via ACH. I thought this was odd, since I didn't cancel ACH, I cancelled autopay, and those are not the same thing. Sure, companies can allow you to autopay via ACH, but ACH doesn't inherently mean autopay. As an example, my XXXX XXXX  payments were made via ACH. Other companies let you autopay via credit card.

I called Mosaic and discovered that when they say " ACH '' in my loan agreement, they actually meant autopay. I told them that they weren't the same thing, but they wouldn't correct my interest rate and back date it, because in their mind ACH and autopay were the same thing. They advised me to email their customer support, where they told me the same thing and stopped responding to my emails.

The biggest issue that Mosaic has is that they are confusing the terms ACH with autopay, even in their legally binding loan agreement. Refusal to correct my interest rate increase is in violation of my loan agreement and has directly led to financial harm in the form of an increased interest rate. If Mosaic wanted to punish consumers when they cancelled autopay, they should have used that language in their loan agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I had 5 private student loans with XXXX. The loan was with variable rates, and I was forced to refinance my loans with fix rate since it was getting too expensive therefore, I refinanced my private student loan with another XXXX XXXX. My loan amount with XXXX was XXXX at the time of closing according to XXXX customer service line. The new lender XXXX paid off my private student loan and the payment was {$130000.00}. The overpaid amount the difference is {$1100.00}. I never asked for loan that is {$130000.00}. I made so many calls to XXXX MOHELA to find out when the new lender will correct this difference. I am getting no logical explanation. The loan was paid off on XX/XX/year>. I believe XXXX MOHELA is another XXXX  with corruption. In fact, I believe they are same game and same people under different name. 
I sent XXXX MOHELA a certified letter today ( XX/XX/year> ) and I demanded to have explanation and correction to my promissory note regarding loan amount. I shall take legal action against XXXX MOHELA to make me go through all financial trouble and unnecessary paperwork. 
The issue is XXXX MOHELA overpaid my loan and now charging me interest over this overpaid. I never wanted more loan from any lender. All I wanted was to pay off the loan with XXXX exact amount no XXXX more or less!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
XXXX closed XXXX XX/XX/year> It's already closed for a long time ago. Why keep on my XXXX XXXX account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
This morning, I discovered accounts on my credit report that dont belong to me, and Im completely baffled. Ive always kept a close eye on my credit, but suddenly, there are mistakes that I cant explain. I even tried refreshing the page, hoping it was just a glitch, but the errors are still there. Please, Im begging you to carefully review the documents Ive provided so I can finally feel some peace of mind.

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 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cash App closed my account due to Terms violation but demands verification impossible due to account closure. Created paradox preventing resolution. Need assistance resolving disputed transaction ( {$7000.00} ) and reopening account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My identity was stolen and my personal information was used to open a Capitol One Credit Card Account for {$530.00} in my name. My information was stolen in the XXXX Data Breach.

I have sent proof to Capitol One that my information was stolen and used to acquire a {$530.00} credit card. I have attached the police report, my credit report, and my identity theft report to this complaint.

These refuse to send the 1099 C form where it stated this debt was a charge off and they refuse to remove the fraudulent debt from my credit profile and report.

IF YOU REFUSE TO DELETE AND BLOCK THIS FRAUDULENT DEBT FROM MY CREDIT PROFILE AND CREDIT REPORT I WILL REPORT YOU TO THE IRS FOR STATUTORY FRAUD AND YOU WILL BE FINED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
Credit Control LLC, emailed me today to collect money on behalf of Resurgent/ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . This account was written off and was deleted from my credit report. These agencies are becoming a nuisance and I am ready to sue.

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 2024-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mortgage Research Center, LLC
State: KY

Complaint narrative:
My current experience with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX to XXXX which we believe to be related to XXXX XXXX but was never proven. I was left a XXXX XXXX XXXX XXXX  to barely survive I was able to file bankruptcy and maintain the bills until 2 years ago when the VA cut my XXXX XXXX per policy of I should have been adjusted. In XXXX of XXXX I became behind on my mortgage to provide basic needs for my children. Long story short I have applied for assistance from mortgage company several times 2 months after missing payments of which they have refused and since foreclosure are beginning again in XXXX I was told that because my name is only on the deed and the mortgage but not on the loan I would have had to assume the loan before I ever became delinquent. In XXXXXXXX XXXX XXXX XXXX XXXX charged me XXXX for XXXX month of insurance saying insurance lapsed never notifying me that insurance was canceled. Down to recently in XXXX I was awarded successor of interest with a letter stating such to XX/XX/XXXX denial of loss mitigation stating I am not successor of interest.

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 2024-12-09 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: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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 writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card by XXXX XXXX XXXXXXXX - PARTIAL ACCOUNT NO : XXXX .... was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
XX/XX/year> Purchase was made from XXXXXXXX XXXX XXXX in the amount of {$840.00}. The purchase was transacted thru PayPal but charged to XXXX XXXX. The merchandise was defective and seller failed to respond to return therefore a dispute was filed with both PayPal and XXXX XXXX. XXXX XXXX provided a temporary credit of {$840.00} until the investigation is completed. On XX/XX/year> XXXXXXXX XXXX XXXXXXXX issued a refund of {$840.00} to PAYPAL. Paypal sent the refund to XXXX XXXX who in turn rescinded the temporary credit and applied the refund to the purchase. 
PAYPAL is CLAIMING they issued two refunds of {$840.00} each, to XXXX XXXX. Therefore I have a {$840.00} NEGATIVE BALANCE with PAYPAL. 
On a separate transaction {$15.00} was sent to me thru PayPal by a relative. 
PayPal took the {$15.00} and applied it to the negative balance they claim I owe them. I now have a {$830.00} negative balance. PayPal also sent this to a Collection Agency for non payment. 
Numerous calls were made to PayPal regarding this illegal transaction, each time Customer Service replies that it will be corrected in 3-5 business days.

Company response to consumer: Closed with non-monetary relief