vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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:
XXXX XXXX XXXX did not report the late payments correctly to each credit union. In XXXX of XXXX how was I 90 days late with XXXX but not with XXXX or Experian? Also on my XXXX credit report it shows that there was XX/XX/XXXX days late in the consecutive months of XXXX through XXXX of XXXX but that is not reflected on either Experian or XXXX credit report. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. Its the law to report accurate information and I want these late payments either deleted or adjusted to PAANL ( paid as agreed, never late ).

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I submitted all required documents to XXXX and even spoke to someone named XXXX at XXXX on XX/XX/24 that all but assured me that she had the necessary documents that I had submitted to resolve my issue after XXXX attempts. It is still not resolved as of today when I received an email from them telling me that my dispute was closed again. My student loan balance was completely forgiven almost a year again and it is still showing that it is a active balance from Nelnet on my credit file. This is not correct. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a card with Citi/Aadvantage Card XX/XX/year>. It was approved. I never received the card. The name on the card is not mine so they will not talk to me. The address is not mine. They said they would text me a code to the phone number on file. I never received that so I am assuming everything is wrong but my social security number. 
They told me today someone is using the card. I can not shut it down because I can not access anything. 

I have ask for the fraud department and I get passed from person to person until I hang up.

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 2024-05-06 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: FL

Complaint narrative:
I have tried multiple times to dispute the inaccuracy of late payment entries on my credit reports as per 15 U.S. Code 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 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. ) Discrepancies exist among XXXX ( XXXX late payments ) and Equifax ( XXXX late payments ) violating my rights under the Fair Reporting Act. No 21-day notice was received for these entries, denying me the opportunity to dispute them beforehand. XXXX XXXX bank also reported payments less than 30 days late, which further misrepresents my credit activity. I invoke 15 USC 1681c for a prompt investigation and correction to my reports updated to " paid never late '' status on this OPEN up-to-date account immediately. These errors are harming the character of my credit report. I have filed a complaint with the XXXX and sent all three bureaus certified copies of the letters. This is my second time filing with the CFPB. Next, I will be hiring an attorney until my report is corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
I have tried multiple times to dispute the inaccuracy of late payment entries on my credit reports as per 15 U.S. Code 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 unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ) Discrepancies exist among XXXX ( XXXX late payments ) and Equifax ( XXXX late payments ) violating my rights under the Fair Reporting Act. No 21-day notice was received for these entries, denying me the opportunity to dispute them beforehand. XXXX XXXX bank also reported payments less than 30 days late, which further misrepresents my credit activity. I invoke 15 USC 1681c for a prompt investigation and correction to my reports updated to " paid never late '' status on this OPEN up-to-date account immediately. These errors are harming the character of my credit report. I have filed a complaint with the XXXX and sent all three bureaus certified copies of the letters. This is my second time filing with the CFPB. Next, I will be hiring an attorney until my report is corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NJ

Complaint narrative:
15 USC 1681 602 states I have the right to privacy 15 USC 1681 section 6048 sections it also states a consumer reporting agency can not furnish an account without written instructions from the consumer.

15 USC1692c ( A ) Without the proper consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with their collection with of any debt. There is a need to ensure that Consumer reporting agencies exercise their grave responsibility with fairness impartiality and respect for the consumers right to privacy according with the written instructions of the consumer to whom it relates to this is a clear violation of my privacy. Therefore Immediately I want the following accounts delete it off my consumer reports. 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 2024-05-06 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: NJ

Complaint narrative:
15 USC 1681 602 states I have the right to privacy 15 USC 1681 section 6048 sections it also states a consumer reporting agency can not furnish an account without written instructions from the consumer.

15 USC1692c ( A ) Without the proper consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with their collection with of any debt. There is a need to ensure that Consumer reporting agencies exercise their grave responsibility with fairness impartiality and respect for the consumers right to privacy according with the written instructions of the consumer to whom it relates to this is a clear violation of my privacy. Therefore Immediately I want the following accounts delete it off my consumer reports. XXXX XXXX XXXX # XXXX XXXX # XXXX & XXXX # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I am a homeowner whose mortgage is now serviced through Rushmore Servicing company. My loan was transferred to Rushmore Servicing XX/XX/XXXX from Rushmore Loans. I saw on my XXXX tax 1098 form that the numbers were off. In my inquiry, I also found that many of my payments since buying my home XX/XX/XXXX were not been applied properly. I sent the XXXX spreadsheet I keep to amortized my loan and copies of my payments to the Rushmore Servicing to investigate in XXXX XXXX but I have not gotten any response and get hung up on when I finally get through the automated system to a real person. I have called at least 2-4 times a week since Rushmore corrected my 1098 in XXXX. They did correct my 1098 but increased my monthly payments by almost {$500.00}. They say my escrow was a little over {$3900.00} in the negative. The extra payments I made should not have had my escrow payments so far behind. I have tried everything with this company. I can not refinance since this is a VA Loan and the VA will not allow me to increase my APR more than a percent and a quarter in this economy environment. I need assistance in any way that you may be able. I never want to go back to making decisions on whether I pay a bill or eat!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My XXXX payment on my Best Buy account was due on XX/XX/XXXX, in the amount of {$29.00}. I paid {$40.00} that posted to my account on XX/XX/XXXX. On XX/XX/XXXX, the statement was issued. It still showed that I owed {$29.00}, despite me having paid {$40.00}. I emailed a dispute of the statement amount owed to Citibank. On XX/XX/XXXX, Best Buy/CBNA sent to me a reply, promising to notify me of the resolution to my dispute. Instead, on XX/XX/XXXX, Citibank began telephoning to my telephone, leaving messages more than once a day that my payment was past due. I texted to the umber that the calls are coming from, asking that the calls cease in respect for my privacy, and that the account be corrected, since I paid more than the amount owed for XXXX. Then, a XXXX statement was posted to the account, showing that, where, after the XXXX payment, I owed a balance of {$460.00}, now I owed {$490.00} as of the end of XXXX, and a payment past due of {$63.00}, with no explanation as to what why the balance increase or what the figure represents. Then, on XX/XX/XXXX, Citibank reported to the credit reporting bureaus that I was a month behind in my payments, and then reported that it was decreasing my {$5500.00} credit limit to {$550.00}, making my already existing outstanding balance now XXXX XXXX of the available credit for the account. 
Today, XX/XX/XXXX, Citibank has telephoned to my telephone twice, alleging that I am behind in my payments. I have a perfect payment record on this account, never once late or failing to pay.

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 2024-05-06 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: PA

Complaint narrative:
Experian failed to do a proper investigation. I asked Experian to update the inaccurate and or incomplete information on my credit report they ate still reporting inaccurate and incomplete information on my credit report which is hurting my ability to get lines of credit. I will provide documentation that I sent last month and you will see nothing was done, the inaccurate accounts are still reporting. Experian must do a Reinvestigation of these accounts that will be mentioned in my documents listed below.

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 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one credit XXXX XXXX XXXX XXXX Law XXXX usc XXXX ( c ) that law clearly states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank with out my authorization enrolled my account in XXXX credit card protection program. Once I realized this I terminated the program and requested a refund for the total amount charged to my account based on the 2015 settlement Citi was ordered to pay. Citi bank only refunded me for XXXX month. I have filed a claim with the better business bureau and have heard nothing from Citi and still have not been refunded for the monthly charges that Citi charged to my 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 2024-05-06 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:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX I received XXXX letters from different attorneys about a lawsuit pending from Midland Credit Management . Today, I received XXXX from different attorneys about the lawsuit. I am not Denying the debt, but I am not familiar with Midland Credit Management. XX/XX/year> I called a number I found online and they gave a different one. I had to call to find their address and account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: AL

Complaint narrative:
I reached out to three credit breau to remove in acurate information of public file bankruptcy XXXX XXXX has removed the bankruptcy but all three have both received but telling me they will remove and hasnt been removed it has been 30 days and now they are giving me another date and told me if I dont like to file a complaint.

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 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am unaware of this charged off debt and didn't have an opportunity to dispute this information. If, in fact you believe that you gave me proper notification, please send me the certified mail receipt with my name and signature on it. If this can not be provided, please remove this account from my credit report immediately pursuant to the laws below : 1. Company has not provided validation of information under 12 CFR 1006.34 ( b ) ( 5 ), yet has placed this chargeoff of my consumer credit report.

2. I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) 4 ( I ).

3. Company is violating my consumer rights by using false, misleading and deceptive means.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
I sent a certified letter to Fox collections on XX/XX/2024 asking them to please send me prove of verification. 
I never received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Transform Credit Inc.
State: GA

Complaint narrative:
I am hereby filing a formal complaint against XXXX and Transform Credit , Inc. An account was placed on my XXXX credit report by a company called Transform Credit XXXX XXXX , Illinois . I have no idea who Transform Credit is ; I have never dealt with or had any business relationship with Transform Credit ; and I have never opened any loan or any other account with Transform Credit. Transform Credit erroneously placed an unsecured loan account on my XXXX credit report in the amount of {$3100.00} and indicates that I have a monthly payment of {$5.00}, but no money has been removed from any of my accounts. I have contacted XXXX on multiple occasions by phone that I wish for them to remove this erroneous Transform Credit account from my credit report, and they have not done so. I have contacted Transform Credit , Inc. by phone and they do NOT return phone calls. Furthermore, I have had a credit freeze in effect for many years, so I do not know how XXXX could have allowed Transform Credit , Inc. to place this account on my credit report. I am not the victim of XXXX XXXX  as no money has been taken from any of my accounts. I simply wish for XXXX to remove this erroneous Transform Credit , Inc. account from my credit report, because as stated previously, I never had anything to do with or had any relationship with Transform Credit , Inc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: MA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-06 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: AZ

Complaint narrative:
See document attached

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