vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX  ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one ; For every statement bring a couple attached to send the documents statement every month. Also, every statement shows you how to do the payment with the coupon. When I try the first payment with both of my cards, they close both of my accounts without my consent. Im doing that for the last two or three months, I be sending the coupon by mail with tracking labels and everything, but they get all the mail from me and they arent processing them. I have two accounts with them. Also, they took my rewards balance without adding the balance back to the account. Meaning, stealing my points ( balance ) for both of my accounts. Can you please help me? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the XXXX and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated.

I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY and send me {$1000.00} for all damages.

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Comenity Bank is reporting inaccurate, unverifiable and otherwise irrelevant information regarding an account with Express, a store that is not local to me. I disputed with XXXX and XXXX, and those credit bureaus state that Comenity Bank verified the account presumably using XXXX. I would like to know who at Comenity Bank spoke with XXXX and XXXX and provided a preponderance of evidence that the aforementioned account was mine. Where is the application that bears my signature? Where is the contractual obligation that states I must pay the account? See the attached complaint form. Please remove this account in accordance with Reg Z and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My husband and I both noticed a new account opened on our credit reports. This account was for XXXX for the amount of {$32.00} with a credit limit of {$10000.00}. We DID NOT open this account. This is FRAUD. We reported this information to all the credit bureaus for Fraud and have placed a FREEZE on our credit. We also contacted XXXX to close this account and report a FRAUD. We believe that XXXX ( XXXX XXXX ) is somehow complicit in this - their security is inefficient and ineffective.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
I would like to opt out of Your company services, please freeze my reports and cease and desist reporting of my personal and confidential information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XXXX, alleged debt purchaser, Portfolio Recovery Associates, placed a negative collections account on my credit report for {$580.00}. Original creditor is identified as XXXX XXXX XXXX. Last year, I filed disputes with the major credit reporting agencies including XXXX about this account which I believe is the result of a computer error. My dispute requested transaction and payment ledgers, with dates, starting with a running balance of zero to prove the stated balance and date of delinquency. On XXXX, XXXX agreed to delete the account from my credit report with all credit reporting agencies because it was unable to produce the requested debt verification documents. I do not believe XXXX could or would have sold the debt to anyone under these circumstances. To date, Portfolio Recovery Associates has not responded to my requests for the same debt verification documents, the written assignment of rights, bill of sale, credit agreement and all receipts and documents that prove the chain of ownership of this account between XXXX and Portfolio Recovery Associates. My XXXX score dropped XXXX points today after this account was placed on my credit report. As an attorney, I believe PRA 's action of placing this on my credit report today violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Ohio Consumer Sales Practices Act, among other statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I settled in full with capital one. They filed in court to settle in full and close the case. I have a court document and a settled in full letter and a receipt. They are reporting on my credit report that I owe money. I have requested for a deletion for this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: CA

Complaint narrative:
On XX/XX/2022 My Wisely Direct by ADP Account information was obtained/stolen by a card skimmer from a ATM. Wisely advised me to use this ATM on their provided cell phone app. A total of {$1900.00} was then removed from my account in 7 different transactions at different ATM locations. The physical card was and is in my possession the whole time. Wisely by ADP has a " Zero Liability Policy '' in which my funds should be protected from fraud. I have filled a police report and a claim with Wisely but they have refused to credit my account for my loss. 
Wisely case # XXXX Police report case # XXXX XXXX Police department

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My home loan was sold to Freedom Mortgage in XX/XX/2022. According to RESPA a new loan servicer is not allowed to charge late fees for 60 days. My loan has never been paid late, past 30 days since inception. Having said this, Freedom Mortgage has charged me a " late '' fee for XXXX, XXXX & XXXX. It's automatically included in my mortgage payment every month. I do not have the option of not paying it. I have called and sent messages to Freedom Mortgage and they have continued to charge me a late fee when my mortgage payment is not late.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
CREDIT ACCEPTANCE CORPORATION account # XXXX 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 They are not able to provide me original contract with my signature, also this account has reached statue of limitations and should be removed 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 2023-02-09 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: GA

Complaint narrative:
Hello. I am a long-time public school educator who is dealing with many mistakesfrom MOHELA that are preventing me from getting XXXX loan forgiveness. I have sent in all necessarypaperwork, consolidatedall loans, and recertified my qualifying employment each year for years. I haveworked at this school since XXXX, so my loans should be forgiven. In addition, all my undergraduateloans are over XXXX XXXX XXXX and should be forgiven even if I had not qualified for XXXX. 

MOHELA has made mistakes and has delayed correcting them since my loans were transferredto them from XXXX in XXXX of XXXX. Although I have great credit scores and no other debt, I am being denied consumer loans I am applying for no other reason but this loan situation is not being resolved. As a XXXX and a XXXX teacher, I am disappointed and, quite XXXX, angry that this situationis not being resolved. It is interferingwith my life and my financial progress. 

In addition, credit bureaus are showing an incorrect loan amount that is higher than I actually owe. MOHELA and/or XXXX XXXX XXXX XXXX XXXX remedy this mistake. 

I ask that you pleasehelp remedythis situationas soon as possible. I want to continue to serve as a teacher, and I need this to be resolvedfor my own financial and personal well-being. 

Please let me know if there is anything else I can do on my end. Please help me remedy this situation so that I can move on with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see the attached FTC report and remove the unauthorized inquiries. I have already attempted to contact the credit reporting agencies regarding the inquiries. Please keep in mind that I have included all of the unauthorized inquiries reporting to all 3 credit bureaus, so if there is an inquiry that is on the report that you do not see, then please remove the inquiries that you do see. This is to avoid the stall letters that you always send back stating that the inquiry is not on my report. This means that is on another report so disregard and remove the others.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the attached FTC report and remove the unauthorized inquiries. I have already attempted to contact the credit reporting agencies regarding the inquiries. Please keep in mind that I have included all of the unauthorized inquiries reporting to all XXXX credit bureaus, so if there is an inquiry that is on the report that you do not see, then please remove the inquiries that you do see. This is to avoid the stall letters that you always send back stating that the inquiry is not on my report. This means that is on another report so disregard and remove the others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: IN

Complaint narrative:
CoreLogic sent me a copy of my consumer disclosure report. On that report, there were numerous variations of my name, address and phone. This is information they have " mined '' from various sources or were given for some illicit reason or another. I am requesting an official investigation of the personal information data that appears on my credit report. I have 1 name, 1 address and 1 phone number that should be on this report ; any other variation ( s ) that are NOT removed from my report will constitute a blatant disregard of consumer reporting laws.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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

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 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX  I have to say that since Suntrust and XXXX merged, there is no customer service. What you get when you call is someone at home sending emails for supervisors to call you back, witch dos not happen. Mail that dos not get mailed or recived, " Its the post office " im told. OR Just a pain " I DONT KNOW '' Im the supervisor, I work in a XXXX XXXX, then im working form home " so there is XXXX to fix the issue, " would you like to make a payment??? No service for anything ecept making a payment. 
I have sumitted on more than XXXX time over the past XXXX months a request on paper that is provided by my servicer, so I can pay my homowner insurance on my home like I have in the past ( past serverers ) .they cant find it.. They have dubble paid when I have allready paid for the insurance in full, and they have the proof of covargae, but the " Auto Pay " works even thou im all ready paid in full. 
Last yr they paid for a XXXX  policy when exsisting covarge was on the home at the time they made the payment. 

The paperwork they say they dont have is a Escro waiver for insurance. 
Im not able to contact thet escro dept directly.

Im told it gets revied then uploaded to my account.This never happens. 
They add $ $ to my payment each month for escro that is not needed. 
I filed a complaint with the holder XXXX XXXX and was directed here also. 
The fees added to my monthy bills are unfair and not needed. 
In XXXX  years my loan has been sold XXXX  times? This company TRUIST is the worst. 
I never late on my payments, in fact im a month a head as of now. 
But im now forsed to remove Truist my my accounts untill this is fixed 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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN is currently in violation of FCRA Compliance procedures [ 15. U.S.C. 1681e ] ( b ) reporting inaccurate personal information on my consumer credit report. I demand the following addresses be removed immediately. 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. EXPERIAN MUST ASSURE MAXIMUM POSSIBLE ACCURACY OF MY CONSUMER CREDIT FILE.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IN

Complaint narrative:
LexisNexis sent me a copy of my consumer disclosure report. On that report, there were nearly 9 pages of different variations of my name, address and phone. This is information they have " mined '' from various sources or were given for some illicit reason or another. I am requesting an official investigation of the following data that appears on my credit report. I have 1 name, 1 address and 1 phone number that should be on this report ; any other variation ( s ) that are NOT removed from my report will constitute a blatant disregard of consumer reporting laws.

Company response to consumer: Closed with non-monetary relief