vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: AL

Complaint narrative:
I called XXXX XXXX XXXX and spoke to the Fraud Department about my consumer profile and put them on notice of the information that arose out of identity theft and let them know that the information needs to be deleted from my consumer profile and to send me an updated copy of my consumer report with the correct information...

I let them know I only have one name, one address, and one phone number ; and I also provided The correct information to them and they continue to report this inaccurate information on my consumer profile... 

I told XXXX that they're violating my consumer rights which is against the law and is up to {$1000.00} per violation plus actual damages they continued to violate me by sending frivolous correspondence in the mail which by the way is mail fraud because I believe ignorance of the law is no excuse when XXXX is not taking proper precaution to make sure that XXXX is reporting 100 % accurate information

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 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I disputed 2 charges on my account. The 1st one was accepted then a few days later it was rejected. I called customer service & was told I had to go into the branch to show my proof. I did exactly as I was told & after being given the run around I talk to a personal banker by the name of XXXX who was not any help at all. I called again the next day & spoke to XXXX XXXX, the branch Manager who took all of my information, said he would investigate his self & call me back. After 4 hours, I called back & spoke to XXXX who said, didnt I give you this information yesterday? To which I replied that she in fact did & that I wasnt satisfied with her help. She laughed & said ok. I then spoke to another XXXX, XXXX I believe his name was who mocked my tone & spoke to me in a very condescending tone. After spending the whole day going back & forth, I gave up & decided to go about this issue another way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I made a check deposit into my account which was new and my account online has been locked, they have rigged the debit card they sent to not be valid, and also they have not given me access to my funds after the hold date Ive had my client call and they lie and say they she hasnt, Ive gone to the branch but the branch refers me back online the phone department does not help if my account is gon na be closed then Im intitled to my funds

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 2024-11-21 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:
Ive discovered accounts on my credit report that I never authorized and believe to be fraudulent. Please delete them without delay.

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 2024-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MO

Complaint narrative:
I am XXXX and have been actively XXXX for years. I filled out the paperwork and was told that i qualified for discharge of my student loans due to the XXXX and meanwhile they had me on a repayment plan of {$0.00} so I thought it had all been taken care of but when I pulled up my credit report it still shows that they are reporting it as an active debt and negative. This affects my ability to obtain medical needs due to their negative reporting and the information they have is inaccurate as well the date of birth listed is wrong on numerous things they have listed. I was told all my student loans were discharged due to my XXXX then when I contacted them they give me the runaround oh we need paperwork they say they never received etc... I barely am able to live right now and this stress is most certainly not helping my health. Talking to someone is like talking to a brick wall. Not getting anywhere. They have told us XXXX thing and have done exactly the opposite placing us in a horrible ongoing situation, If it is discharged why are they reporting it the way they are preventing us from obtaining the much needed medical care we need that is turned down after reviewing our credit and the informaiton listed because of this debt that we are not supposed to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am not and have never been in agreement with this debt. I have not had time to challenge agreement as my mom recently was healed of her XXXX and I was helping her through her treatments and recovery process. I have requested that debt collector send over purchase agreement but they have yet to send. Instead they sent me something that was not the purchase agreement that did not prove that this debt is mine. I specifically asked for the purchase agreement but they refuse to send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: FL

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.

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 XXXX 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 2024-11-21 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: FL

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. 

XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 an 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 XXXX 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 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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Inconsistent late payments were noted on my credit report. Please address and correct these inaccuracies.

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 2024-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XX/XX/XXXX, spoke with a PHH mortgage agent over my escrow analysis statement ( dated XXXX ) in letting her know my homeowners policy is not {$1100.00} for the year, yet I had it lowered to $ XXXX starting XXXX. 
I asked to have this redone so my mortgage payments are not high but lower. 
I sent an email with the document. 
On XX/XX/XXXX I spoke with an escalation agent outsourced in XXXX and asked him why this has not been taken care of ( received XXXX XXXX ) when I spoke back in XX/XX/XXXX. He had no answer. He also said you get XXXX escrow analysis statement a year. He said he might call me on XX/XX/XXXX. I doubt it because I've had problems with this company 's agents doing nothing. SO, they prefer to keep my new mortgage bill at {$680.00} a month and not lower it according to my documents I sent XXXX  times now since we spoke! It's ridiculous! I'm so drained and tired dealing with their ruse of neglect and gaslighting me. 
I want to see a resolve in my XXXX bill which will be lower. And the monthly bills from now on. 
PHH MORTGAGE, XXXX XXXX XXXX FL XXXX PHONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( XXXX, XXXX, and Equifax ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These dates should be consistent as they represent the last interaction with the account. 
The account closure descriptions vary : XXXX : " Charged off as bad debt. Account closed due to transfer of balance. '' XXXX : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' Equifax : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved. 
The payment history for this account shows a " Charged Off '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report. 

The reported balance owed is {$0.00} across all bureaus, but the status remains " Charged Off. '' If the account has been settled or resolved, this status should reflect " Paid '' or " Settled. '' The term length is reported as XXXX  months, but it is unclear if this reflects the original terms of the agreement or if there was a modification. 

These inconsistencies are misleading, harmful to my credit score, and do not reflect the accurate status of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: EdFinancial Services
State: IN

Complaint narrative:
This past XXXX I sent {$1600.00} to my loan and on XXXX separate installments of {$800.00} and it was reversed both times. 

Then I sent another payment and it was this morning XXXX said it was received and then I checked it again payment was rejected. The funds are on my debit card. They are not making it easy to pay online

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA 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 2024-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have XXXX car loans with XXXX XXXX Bridgecrest. I have requested more than once, for full amortizations on my loans as they are not applying the same amount towards interest or principal. This is month after month and has gone on for over a year. XXXX seeing different amounts each month on all XXXX vehicles and its never the same. Ive asked for documentation and am sent the contract. They have failed to send a full amortization on any vehicles and need to for all XXXX. This is deceptive buisness practice and violates law as well as my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: IN

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-21 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: CA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX Balance {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX Balance {$10000.00}

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-21 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: IL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-11-21 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: IL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Across multiple accounts of mine, Capital One keeps sending me notices about suspicious transactions on my accounts, and Capital One disputes a portion of the transaction on my behalf, unprovoked. Each time, it is a percentage of the total check, not the tip, not the transaction, just a percentage.

I have told Capital One several times that these charges are legitimate and there is no cause for suspicion, yet they keep flagging them. One establishment ( XXXX XXXX 's ) has had a portion of my check refunded THREE times in the last year without any provocation from me. I reached out to Capital One 's fraud department to let them know that these transactions are legitimate and they should not be flagged, but obviously that did not resolve the issue.

Company response to consumer: Closed with explanation