vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had to use my card on Thursday for a purchase XX/XX/XXXX then on Friday XX/XX/XXXX I called because it was pending and I couldnt make a payment on my app before the billing cycle closed. Then Saturday the XXXX I called and tried again and was denied. The manager said I had until XXXX to submit payments and at XXXX the statement date closes. I told them I didnt like there being a XXXX window where the pending charge can hit my account and I wont be able to pay it and maintain a XXXX on my statement because it would effect my credit and of course the pending charge did hit within that window and hit my credit score minus XXXX dropping me to a XXXX  credit rating and slandering my credit profile. This type of thing leads to being denied credit I need for business and gives me higher interest rates. Therefore its a predatory lending practice because they are ruining peoples credit to charge them higher rates. I should be able to pay for pending charges to protect my credit score and pursue my happiness. Please make Capital One fix this system malfunction so people have fair treatment and access to credit and good rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: AL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Notice To Update My Personal Information To Whom It May Concern : I am writing to update/correct my personal information on file with your company. As there are a series of inconsistent, inaccurate and false information showing based on my observation. 

Please update my ONLY address to : XXXXXXXX XXXX XXXX XXXXXXXX XXXX AL XXXX REMOVE THIS NAME XXXX XXXX XXXX XXXX REMOVE this address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX REMOVE THIS EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is I do not wish to have employers listed on my report for my safety and privacy I do not wish to have any telephone numbers on my report. 

I do not have any other names or aliases and I do not desire any other names or aliases to be retained or reported on my credit profile. I do not have any other address or addresses associated with my name other than the address listed above. 
Please remove all the other addresses, names, social security numbers and phone numbers from my report, as they are not deliverable to me by the U.S. Post Office, or they are not associated with me and are not reportable as per FCRA, since they are inaccurate. Please send me my updated credit report showing these corrections made. Looking forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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:
[ XXXX ] I am writing to file a complaint against XXXX XXXX regarding a derogatory account of {$500.00} listed on my credit report. This entry is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate and verifiable. 

I discovered this derogatory account on [ XXXX ] and have attempted to dispute it directly with XXXX XXXX. Despite my efforts, including [ briefly describe your attempts, e.g., phone calls, written disputes ], the account remains unresolved. 

Under the FCRA, I am entitled to have any inaccurate information corrected or removed. This derogatory mark is unjustly harming my credit score and financial opportunities. I request that the CFPB investigate this matter and ensure the removal of this inaccurate entry from my credit report. 

Thank you for your assistance. 

Sincerely, [ ] [ 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 2024-12-03 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: IL

Complaint narrative:
[ XXXX ] I am writing to file a complaint against XXXX XXXX regarding a derogatory account of {$500.00} listed on my credit report. This entry is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate and verifiable. 

I discovered this derogatory account on [ XXXX ] and have attempted to dispute it directly with XXXX XXXX. Despite my efforts, including [ briefly describe your attempts, e.g., phone calls, written disputes ], the account remains unresolved. 

Under the FCRA, I am entitled to have any inaccurate information corrected or removed. This derogatory mark is unjustly harming my credit score and financial opportunities. I request that the CFPB investigate this matter and ensure the removal of this inaccurate entry from my credit report. 

Thank you for your assistance. 

Sincerely, [ ] [ 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 explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
On XX/XX/year>2024, I was going through my credit card notifications when I came across an alert with a new address added to my social security. When I checked the address it was a unfamiliar address in the state of Nevada. Which is is outside of California where I currently reside. As I scrolled through my older notifications, I saw an older message from XX/XX/year>2024 with the following " It looks like you received a major derogatory mark on your credit report for your account with AARGON AGENCY INC '' These notification were received through the XXXX  app. After this, I checked my credit card history and loans that I had on my name and saw that there was a balance of {$660.00} that I owe to AARGON AGENCY INC. I had never heard of that name before so I immediately contacted my bank and received help. I called the agency and they looked for my personal information and couldn't find anything. I was asked for my SSN which I didn't feel comfortable providing. I proceeded by calling XXXX bank again where I filed for fraud and got help by directing me to filing a complaint with the Federal Trade Commission. 

Thank you for your help in solving 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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, I contacted Creditors Bureau Associates regarding an account that had been improperly placed on my personal credit profile. During this conversation, I was assured that the account would be removed. Additionally, XXXX XXXX provided a written statement confirming that the accounts would be removed from my credit report within 30-45 days. 

However, in XXXX XXXX, I discovered that the account was still on my credit profile. After being denied a bank loan to expand my business due to these negative entries, I contacted the agency again in XXXX XXXX. They claimed to have updated the XXXXr system to remove the fraudulent information. Despite these assurances, the items remained on my credit profile. 

In XXXX XXXX, I spoke again with XXXX XXXX XXXX who once more reassured me that all negative items had been deleted. However, I was subsequently denied an apartment due to these same negative reports attributed to XXXX XXXX and Creditors Bureau Associates. 

Despite repeated promises, these issues have not been resolved, and the account continues to appear on my credit profile. Furthermore, XXXX XXXX, Creditors Bureau Associates, and XXXX ( last name unknown ) of XXXX XXXX have acted improperly by : Falsely representing their actions, claiming they removed the fraudulent items when they did not. 

Failing to provide any evidence or explanation for how they obtained my personal information. 

Threatening to ruin my credit, which I perceive as an attempt to intimidate me. 

I have attempted to have a productive conversation with XXXX and her associates at XXXX XXXX, but they have been unwilling or unable to explain why they placed this account on my credit profile. Importantly, I have never signed a contract or agreed to any terms with XXXX XXXX or its representatives. There is no legal basis for this debt to be assigned to me personally. 

Their actions amount to fraud and misrepresentation, causing significant harm to my creditworthiness and financial reputation. 

Resolution Requested : I request that the CFPB take action to : Investigate Creditors Bureau Associates and XXXX XXXX for their improper and potentially illegal reporting practices. 

Ensure that all fraudulent and inaccurate information is immediately removed from my credit profile. 

Hold these parties accountable for any violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
I am writing to formally file a complaint against Bridgecrest ( XXXX XXXX XXXX ) for violating an agreement to provide me with a grace period ( 90 days, payment deferral ) and subsequently reporting my account as 30, 60 and 90 days late to the credit bureaus. This action is both inaccurate and damaging to my creditworthiness. 
In XX/XX/XXXX, I contacted Bridgecrest to discuss my financial situation and requested a temporary payment deferral. After our discussion, BridgeCrest agreed to give me a grace period for upto 90 days. During this period, I was assured that my credit report would not reflect any late payments as long as the terms of the agreement were followed. I complied with the terms of this agreement. 
Despite this, I recently discovered that Bridgecrest reported my account as 90 days late on my credit report. This is both misleading and unfair. The inaccurate reporting has negatively impacted my credit score and caused unnecessary stress.

I have attempted to resolve this matter directly with Bridgecrest by contacting their collections department on XX/XX/XXXX but the issue remains unresolved. 
I request the CFPB 's assistance in investigating the matter and ensuring that Bridgecrest 1. Corrects the erroneous late payment reporting with all credit bureaus immediately 2. Provides written confirmation of the correction 3.Reviews and improve their processes to prevent such errors in the future. 

Thank you for your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
On XX/XX/year> I bought the house 30 yr mortgage for less than XXXX. To this day I still owe more than XXXX. I did some loan modifications and some times we're going through financial hardship when my husband suffered a XXXX and recently a XXXX XXXX that I missed payments. I was just wondering why it seems my payments didn't make a dent on my mortgage. 
Thank you very much for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ive been disputing a closed account with Experian for weeks now. They refuse to make any changes even though ive filed two motions with the court. Ive filed a motion to expedite, a motion to seal, and a satisfaction of judgment. This record is prevent me from getting housing and the court has all of this information. Experian will not remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I hope this letter finds you well. I am writing to address the inaccurate late payment listings on my consumer report, specifically concerning the accounts associated with XXXX XXXX, XXXX XXXX - XXXX, and XXXX XXXX XXXXXXXX with the reported late payment dated on my credit report. This is my third attempt to resolve this matter amicably. 

I still noticed discrepancies in the information being furnished on my credit report. It is imperative to acknowledge that various federal laws are in place to safeguard consumer rights and ensure fair business practices. I would like to draw your attention to 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), which explicitly prohibits reporting or treating a payment on an open-ended credit plan as late for any reason.

Furthermore, 15 USC 16819 ( B ) stipulates that as a consumer, I must grant permission for the furnishing of information on my behalf. To date, I have not provided such authorization to [ Name of Company Reporting Late Payment ]. Thus, the reporting of late payments without my consent is a violation of consumer protection laws.

Additionally, the billing errors identified under 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ), including the creditor 's failure to reflect payments properly on a statement and computation errors, further highlight the inaccuracies in the reported information. As per the Fair Credit Billing Act, the creditor is obligated to notify me at least 21 days before the due date if there are any discrepancies in the statement. Failure to do so renders any late payment designation as a billing error. The following items must be promptly updated to reflect " paid as agreed '' on my consumer report : XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX I demand conclusive evidence from the creditor 's records demonstrating that the reported late payments were indeed justified and not the result of billing errors. Your persistent failure to rectify these inaccuracies not only tarnishes my consumer report but also undermines my financial standing. 

I hereby request that the late payment listings associated with the aforementioned accounts be promptly updated to reflect accurate information or removed entirely. Failure to comply will result in legal action seeking monetary compensation for violations of my rights under 15 USC 1681n civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is de

pendent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CO

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CO

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report contains multiple accounts I did not authorize. I ask that these fraudulent entries be removed and blocked from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I received a letter from Mohela on behalf of federal student loans stating on XX/XX/year> my loans were being placed on administrative forbearance with no explanation as to why. I followed up with an unanswered email requesting additional information. The letter states my interest rates were set to 0 % while in forbearance. On XX/XX/year> I received another letter from Mohela with accrued interest while my loans were on forbearance and I have somehow accrued over {$140.00} in interest during my forbearance when I should have accrued nothing. I sent another email which has since not been responded to. This is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation