vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-01 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-01 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: SC

Complaint narrative:
they keep sending emails to me, but the results are blank on the pages and saying here is your results

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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:
I setup a payment to come out of my account for XX/XX/XXXX for my secured and secured card with capital one .I had the money already in my account to settle that but capital one will send you a message that the payment is successful and still wait sometimes a week to take payment out which confuses other payments that you have setup.They later on takes try to takes the payment out and sometimes the money isn't all there because of other bills and you thinking they already taken it out.Capital one closes both my cards down wouldn't let me remake the payment right then .The secured card had {$500.00} of my money in there and they still reported it to the credit bureau that I owed them {$510.00} and {$500.00} and something for the unsecured and reported it that they were closed down costing me a XXXX point drop on my credit score and I can't even get another secured cared because my credit shows 2 over the limit cards.I feel I wasn't treated fairly and it hurted me a lot financially and I was never late.They did the same thing with my auto loan I was never late past 30 days so what they did was contact and ask did I need help with my payments and offered me a payment plan I took it not knowing that the way it was setup I was gon na get reported late.I have proof I was never past 30 days until the set me up on that payment plan.The reason why I was close to the 30days is the way I get paid at my job and that late payment hit me very hard .I tried to ask them could I get a first late payment wavered and they turned me down for that .I feel like I was a great customer I was never 30 days late on any of my payments at first.I would like to see if anything could be done to make right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: IA

Complaint narrative:
It is very difficult to get in contact with the loan provider Mohela, it is atleast 30-60 minute wait each time I call and I am being told different information on every phone call. the 1st Issue was i was told by a representative of Mohela that I can pay on only one loan if I wanted to but I just had to make the full amount of the total payments. My loans are now behind so I contacted customer service, they said they will fix the payments and it will take 35 business days. as on now there is no update. I am refinancing my student loans with XXXX who uses Mohela for their loan servicer. XXXX sent MOHELA a check for the payoff amount on XX/XX/year> and Mohela confirmed today they have received the check. They told me it will take 60-90 calendar days to actually apply it and they will " back date '' the funds, not sure what that means. I am expected to pay {$800.00} a month to mohela for my current loans and i am also expected to pay {$800.00} with XXXX  for the student loan refinance. I will be paying almost {$1600.00} a month in student loans so I am not behind because Mohela refuses to process this application timely. 
I have never had a good experience when call in, now i have to figure out how to pay 40 % of my monthly take home pay towards my student loans because they are unable to process a payment from one of their partners in a timely and efficient manner leaving the burden on me to find a way to come up with more money. 
Attached is a screenshot of my auto pay that is not updated, they said it was all good to go. also shows the balance owed. I included an attachment with the current refinance with XXXX who i did the refinance with and they use Mohela as the loan servicing provider. I dont think it should take 90 days to apply to my account. 
Mohela 's website will also not let me submit a complaint, they button will not work to submit a complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: CA

Complaint narrative:
Why must I suffer as a consumer just because your company chose to ignore and neglect all my concerns about these unverified accounts. Not only is it XXXX on my XXXX XXXX, but also a violation of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MD

Complaint narrative:
I've had Discover card XXXX XXXX XXXX XXXXXXXX for many years and rarely used it. Last year in XXXX I opted out of receiving Discover 's solicitations. I was not informed by Discover that in doing so, they would cease sending me statements where I could see if I had a balance due and by when it was due to be paid. In XX/XX/year> I went to make a purchase and realized I only had my Discover card on hand, so I made a small purchase of {$28.00} ( or {$38.00} ). I had forgotten about the purchase since I rely on receiving statements for my credit card bills so I can review them for accuracy and pay them before the due dates. It was only until I received a notice from my bank, XXXX XXXX XXXX XXXXXXXX program alerting me to a missed payment, that I was informed of the charge being past due. When I reviewed by Discover card account, I saw that they charged me a 100 % late fee for the missed payment and reported my account as delinquent/missed payment to the reporting agencies. I called Discover, disputed the late fee, noted that I had no other charges on the card, have never missed a payment to any of my creditors, and had an outstanding credit score. I demanded that Discover remove the late fee and retract the inaccurate reporting of me missing a payment, given that they on their own and without my consent stopped sending me account information - which they verified was because I opted out of receiving their marketing solicitations. They apologized and reimbursed me. I was told they have no way of retracting the misinformation they reported and RUINED my credit as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: CA

Complaint narrative:
I recently discovered unauthorized credit applications submitted in my name to two lenders. One was from XXXXXXXX XXXX  XXXX and the other was for XXXX XXXX XXXX XXXX XXXX XXXX I was at home when I received email notifications about these applications, which I did not submit. I immediately contacted my credit lenders to report the fraud, but they insisted that I was the one who submitted the applications. Despite my efforts to dispute these charges, the process has been unhelpful. I am seeking assistance on how to resolve this issue effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: SC

Complaint narrative:
they keep sending emails to me, but the results are blank on the pages and saying here is your results

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 2024-07-01 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: SC

Complaint narrative:
they keep sending emails to me, but the results are blank on the pages and saying here is your results

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 2024-07-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer

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 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The amount being reported on my credit report is inaccurate..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Denefits LLC
State: OH

Complaint narrative:
I am unaware of this debt from Denefits in the amount of {$11000.00} on XX/XX/year>. I was not given the opportunity to dispute this information prior to placing it on my credit report. If you believe I was given proper notification, please provide the certified mail receipt with my signature on it. If you aren't able to provide that please remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding inaccurate and unverified negative items on my credit report. Despite my earlier correspondence and the legal obligations under the Fair Credit Reporting Act ( FCRA ), these items remain unaddressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
this was not sent in error, i am a consumer by law and my information is being misused and now i have some false accounts on my credit report that are not 100 % accurate.

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 2024-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX ) on XX/XX/XXXX and financed the purchase from American Honda. The salesman ( XXXX XXXX ) informed my wife and I that the rear tailgate was damaged in transit and deducted a small amount as the tailgate was replaced prior to our purchase. 
On XX/XX/XXXX, the vehicle emitted a loud screeching sound and placed itself in park if we tried to put it in drive or reverse. The vehicle can not be driven. 
On XX/XX/XXXX, I called the service department, explained the problem and they said I needed to talk to sales. The sales department provided no help- they suggested I call roadside assistance. I called American Honda and had to open a case rather than Honda fixing the problem. 
I am submitting this complaint to the CFPB. We believe that we were sold the vehicle under false or misleading circumstances ( the full disclosure of the issue was not provided to us ). 
Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
I am not sure who this company represents. Ive never had communication or contracts with them. I have not entered any legally binding contracts with them. Requested debt validation to verify debtors Idebtity and merit on XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: FL

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-01 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: CA

Complaint narrative:
I recently discovered unauthorized credit applications submitted in my name to two lenders. XXXX was from XXXXXXXX XXXX  XXXX and the other was for XXXX XXXX XXXX XXXX XXXX . I was at home when I received email notifications about these applications, which I did not submit. I immediately contacted my credit lenders to report the fraud, but they insisted that I was the one who submitted the applications. Despite my efforts to dispute these charges, the process has been unhelpful. I am seeking assistance on how to resolve this issue effectively.

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 2024-07-01 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: CA

Complaint narrative:
I recently discovered unauthorized credit applications submitted in my name to two lenders. XXXX was from XXXXXXXX XXXX , and the other was for XXXX XXXX XXXX XXXX XXXX . I was at home when I received email notifications about these applications, which I did not submit. I immediately contacted my credit lenders to report the fraud, but they insisted that I was the one who submitted the applications. Despite my efforts to dispute these charges, the process has been unhelpful. I am seeking assistance on how to resolve this issue effectively.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what you intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this issue fixed and these accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-07-01 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 follow up on my previous dispute regarding inaccurate and unverified negative items on my credit report. Despite my earlier correspondence and the legal obligations under the Fair Credit Reporting Act ( FCRA ), these items remain unaddressed.

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 2024-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX0-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer

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