vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report because it is hurting my ability to obtain credit.

XXXX XXXX XXXX {$1700.00} Account # XXXX DATE OPENED 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 2024-10-19 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: TX

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. 

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 a 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 seven 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 2024-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received an electronic notification from XXXX and XXXX credit reporting agencies that a collection account was added to my credit file on XX/XX/XXXX in the amount of {$1300.00} for Original Credit XXXX XXXX XXXX XXXX 

After further review I have never been notified of any medical debt by this company or any other company. I have always had insurance and paid any amount due by me. The following company added a collection debt to my credit file without notifying me first. 

Credit Management Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

The debt says it was from back in XXXX. I have no idea. I need proof that this debt is mine and was submitted to my health insurance company the documentation to prove it was sent to my insurance provider and how much insurance provider paid if it was ever submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: GA

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.

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 a 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 seven 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 2024-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Yesterday after contacting NFCU to get information on thier Home Equity Loans and Home Refinance options. I later applied for a Home equity Loan. 1 for a high amount and 1 for a lower amount. Both applications were denied before I was able to add any financial information such as income and assets or debt to income information. Also both were denied without a credit check according to thr NFCU app - the app I used to apply. Since the applications were denied without any information submitted by me besides my demographics I beleive my applications were denied for discrimination such as race, age, gender, religion- although the prompt from NFCU read that they made a decision based on credit file information- which is misleading or false advertising because it was a " No credit check '' application. 

Is there recourse for me to take action?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
I paid both my student loans in full XX/XX/year>. Ishould have no balance, and the balance has not been updated yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX DEPARTMENT OF EDUCATION XXXX  {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you

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 2024-10-19 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: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UD DEPARTMENT OF EDUCATION XXXX  {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Subject : Request for Reinvestigation and Removal of Charge-Off Account # [ XXXX XXXX ] To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # [ XXXX XXXX ]. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

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 2024-10-19 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-19 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: NY

Complaint narrative:
I paid both my student loans in full XX/XX/year>. Ishould have no balance, and the balance has not been updated yet.

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 2024-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX {$2700.00}, XXXX {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: Nelnet, Inc.
State: FL

Complaint narrative:
On Saturday XX/XX/XXXX I logged into NELNET to validate receipt of my payment from XX/XX/XXXX. I discovered that the previous 22 payments I made totaling {$12000.00} between XX/XX/XXXX and XX/XX/XXXX were no longer viewable under payment history. Additionally, my payoff amount, which was {$35000.00} on XX/XX/XXXX ( the previous Saturday ), increased to {$47000.00} in just 7 days. 

I called Nelnet on XX/XX/XXXX and requested my payment history and told them I have all records proving my payments as well as statements from them showing my payments. They said they did not have access to those records and referred me to the Federal Student Aid Site. They also told me to discontinue payments even though I would continue to accrue interest. 

I logged into the Federal Student Aid site on XX/XX/XXXX and it showed the correct pay off balance of {$35000.00} as well as a correct payment history. On XX/XX/XXXX I logged into Federal Student Aid again and it now matches Nelnet balance of more than {$47000.00} and all payments before XX/XX/XXXX are no longer visible. 

Below is the list of payments I made between XX/XX/XXXX and XX/XX/XXXX with the confirmation number I received from NELNET via email after each payment. 



Payment Effective Amount Confirmation Number XXXX XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX {$520.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX Total {$12000.00} NENET referred me to department of education and department of education referred me back to Nelnet. I have both a confirmation from NELNET of every payment made as well as bank records for each payment. Additionally, since my loan balance jumped from roughly {$35000.00} to {$47000.00} in 1 week it has adversely affect my credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX follow up back up on case CFPB XXXX for yall respond for this IC System Reference No. : XXXX XXXX XXXX XXXX XXXX XXXX. : XXXX Dear XXXX XXXX, This complaint is substantially the same as CFPB XXXX, etc., as well as complaints filed with tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your information has been forwarded to XXXX XXXX XXXX. IC System XXXX XXXX discontinued all collection activity on this account. The account has been closed and returned to XXXX XXXX XXXX. This account was not reported to any credit reporting agencies by IC System XXXX XXXX XXXX provided a letter to you dated on or about XX/XX/year>. This communication is from a debt collector. Sincerely, XXXX XXXX Consumer Affairs IC System XXXX XXXX please send me the letter stating that to XXXX XXXX XXXX XXXXXXXX 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 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CO

Complaint narrative:
XX/XX/XXXX Disover card ( account ending in XXXX ) put me in default without calling me or texting me that my account was past due. I have never had a late payment with any of my credit cards. This was an honest mistake, and I thought I paid in full in XX/XX/XXXX. I'm not sure if it was a technical error. I reached out to their consumer agency and no one would help me. I never received verbal communication from Discover that I was in default. When I called in XX/XX/XXXX The Discover agency informed me that because I didn't have push notifications turned on I wouldn't have seen a text. There was no prompt when opening the account to turn on push notifications. But, I received emails and I never received an email that my account was going in default. I was informed I was not charged a late fee in XXXX XXXX via chat on Discover. I was sent into default and only received notice by mail in XX/XX/XXXX. No one from Discover called me to inform me that my account will become default I paid my balance in full in XX/XX/XXXX, and then realized there must of been a technical error. Once I realized what happened, I immediately paid in full in XX/XX/XXXX the amount of XXXX. I understand the importance of on time payments, and I have been faithful to doing that since XXXX. My credit was drastically affected from having a FICO of XXXX to decreasing to XXXX. 


This was a technical mistake, that I am requesting to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
this is a follow up to previous complaint i raised ( XXXX ) back in XX/XX/2024. Back in XX/XX/2024, i used my citi custom cash card that i used to purchase skin care items from XXXX, but until today XX/XX/2024, not only i still have not received the items from the merchants, but my citi dispute still says " We're Making Progress on Your Case. '' Be real, what progress have you made after 9 months? Its been 6 months after the dispute reopened which was on XX/XX/2024, what progress have you made? what " investigation '' have been done? Your own policy in the website says it will be resolved within 90 days, if the merchant doesnt response, then you will close the dispute, yet the dispute is still " in progress. '' Clean proof of a company that doesnt follow their own policy, CFPB has a clear ground to levy a fine to Citi , it should teach company to follow their own policy and not rewards merchants that doesnt give the items after payment!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Why is there no investigation being taking place on this matter because it is still on my account after I repeatedly reported it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: VA

Complaint narrative:
XXXX XXXX  HARD INQUIRY DIDN'T RECOGNIZE on XX/XX/year>

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 2024-10-19 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 sent my dispute letters and uploaded proof of Address. I need all negative accounts remove immediately. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation