vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: NY

Complaint narrative:
XXXX XXXX is incorrectly reporting my XXXXXXXX XXXX XXXX balances as XXXX higher periodically every month. This is either because XXXXXXXX XXXX XXXX XXXX XXXX is reporting the loans incorrectly, or because XXXX XXXX is reporting the loans incorrectly, or both. As a result, every month my credit score creeps downward by a little bit, like XXXX XXXX 

On XX/XX/2024, XXXX XXXX reports incorrectly show that my XXXX XXXX. loans went up by {$2.00}, {$4.00}, {$5.00}, {$6.00}, and {$7.00} ( I have XXXX loans ). However, I am on the SAVE repayment program, I made my minimum payment due, and the balances did not go up according to statements from XXXXXXXX XXXX  website. This caused my Equifax and XXXX scores to go down by XXXX XXXX XXXX XXXX 

Similarly, in XXXX, XXXX XXXX reports incorrectly show that the loans went up by {$7.00}, {$24.00}, {$84.00}, {$95.00}, and {$100.00}. I made minimum payments then, and the balances did not go up according to XXXX. This caused my Equifax and XXXX scores to go down by another XXXX XXXX XXXX XXXX 

What's more, XXXX XXXX website does not have a way for these complaints to be made. 

I've attached some corroborating documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: AZ

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 2024-04-17 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-04-17 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I am writing to request assistance in removing the Private Mortgage Insurance ( PMI ) requirement from my mortgage loan. My loan servicer is Select portfolio servicing llc, and my mortgage loan number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
I processed XXXX payment with square merchant account they closed my account XXXX month later I got en email stating that they are closing my account any funds inside of the account well be released to my link bank account on XX/XX/XXXX today is XX/XX/XXXX after trying to contact them for XXXX week which they make you call from a random number because my number they hang up The worker that works at the department where they deactivate accounts told me my funds are not on hold that if I cancel my square debit card itll let me transfer to my bank account I did it but still can transfer my money to my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEM Is reporting to XXXX, XXXX, XXXX XXXX Different accounts XXXX for {$4300.00} and {$3900.00}. I have sent dispute letters to the company, nothing has been resolved, I am 100 % sure they have the incorrect social security number and this is illegal to report false and Inaccurate information Date opened, XX/XX/XXXX and Date opened XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been in the financial industry for over 14 years. Understanding the dynamic of how our DATA is used has been on my mind for years. Particularly during incidents where companies have data breaches. For extra security, on XX/XX/year> I opted for a PERMANENT OPT-OUT ELECTION FORM. Recently my husband applied for a VA XXXX loan and the amount of marketing and solicitation calls was beyond overwhelming for myself personally. How could all these people have my information if I opted out. In trying to figure out how my information was distributed, I received from my current lender XXXX, resulted in me understanding my information was still being sold by the credit reporting agencies. This is very disheartening because many companies have global means to distribute my information without me having any recourse. 

Additionally, I would like to file a complaint against XXXX but am limited to XXXX companies via this software. Please advise.

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 2024-04-17 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: NAVY FEDERAL CREDIT UNION
State: NC

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: STATE EMPLOYEES CREDIT UNION
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NJ

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-04-17 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: AZ

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 2024-04-17 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: NJ

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
Experian XX/XX/2024 DEPT ED XXXX {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} There's is no original contract or no original ink signature. 

XXXX {$8400.00} Theres no contact info available for this creditor.

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 2024-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
They sent me personal information that they should not have on file including XXXX XXXX. they also appear on my report XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Please help with this matter. I will go into detail, sharing how we arrived at this point. 

I suffered a physical attack at work in XXXX XXXX XXXX. After that, my company put me on leave for a while without pay and for sometime. In any case, my spouse 's work had placed him on medical leave at the time because of XXXX XXXX, and he was also very sick. I was determined to return to work at another location, but my boss was extremely vindictive and prevented me from working. She continues to call and advise people not to hire me even now. 

Well, at the time, my mortgage company, CM, contacted us, asking what the issue was. I shared what had happened to me with Carrington Mortgage, and they told me that they could help us. After, we finished the items they sent, they informed us that it would not have an impact on us. Additionally, if my memory serves me well, they stated that the mortgage increase would keep us covered until the loan 's expiration. 

We just attempted to obtain approval for the money needed to have work done on our house. Everything was going smoothly until the loan officer got in touch with us and told us we couldn't get the loan. Since Carrington did not inform us that they were requesting the funds in the amount from HUD of {$69000.00} we are crushed. How can that be when we are paying more on our mortgage. Is this right can you please help us as they did not tell us correctly. Now we can not have our home repaired as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I received a XXXX transfer of {$1000.00} and Capital One sent me an email stating that my account is now restricted. I called customer service and they said they need to verify the transaction from the sender and asked that I provide his phone number or else my account will be closed. She also asked a lot of questions like why I opened an account with Capital One and what was the purpose of the funds which were strange questions but I answered all the questions. 

I got his phone number and called back. The agent I spoke with said he tried calling and the sender was not picking up and asked that I reach out so they know a good time to call. I reached out to the sender to let him know Capital One was trying to reach him. I called customer service again and the agent was able to call the sender. She verified that he sent the money, came back to me to let me know she spoke with him and verified he sent the money but my account will still be restricted and closed while they conduct their investigation. I asked how I could access the funds in the account and she said after the investigation is complete, I will get a check in the mail. I asked how long the investigation would take and she said there was no timeline and hung up. 

I called back and spoke with another agent that said the same thing. The banking relationship has ended, it does not matter that they have confirmed the funds, they will do an investigation and only the good funds will be sent to me. I asked why she meant my good funds and she could not explain, just said it will be based on the investigation. She then said I can go to a branch to withdraw if I didnt want to wait for the check. 

On the same day, XX/XX/year> went to the Capital One branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX l, presented my identity card and spoke with someone in the customer service who spoke to someone on the phone and told me that the person that said to come to the branch was wrong. I should wait for the check in the mail after their investigation. Again I asked for timeline and she said there was no timeline. I called the sender of the money and put him on speaker phone and asked her to explain to him. She said the same thing - my account has been restricted and they are conducting and investigation and XXXX not have access to the funds until the investigation is complete and there is no timeline

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CL Holdings LLC
State: NV

Complaint narrative:
I want this company to seriously check into why they would give me so much credit without checking my income and open credit accounts and why their algorithm did not flag it as high risk. What logic tells you a XXXX XXXX  on XXXX making XXXX a month could possibly afford this kind of credit. You never looked into it. Obviously I was XXXXXXXX XXXX XXXX XXXX XXXX, but no you took advantage of a situation you saw money over logical thinking. The algorithm is the legal president to weeding out problems if it's flawed your company is flawed and according to the 2009 fair credit card bill put restrictions on such kind of business practices, and this company also broke the law by violation of the disability act. I'm so sick of company 's taking advantage of people with bad business practices. I obviously had no control over my actions was making bad decisions based on XXXX. I've XXXX  XXXX  for XXXX years on XXXX XXXX and I have problems the only thing to protect me is your algorithm and it obviously did not do it's job and needs to be corrected. I feel really bad about what happened, but your playing the victim when your just as guilty as me if not more taking into consideration my illness. I want this debt taken off my credit and the debt is nul in void due to the negligence of the company

Company response to consumer: Closed with explanation