vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
A person said he was going to give me a loan for XXXX XXXX dollars the next morning he called and asked me to check my account there was XXXX dollars in. My account he then told me to give the funds back to verify account I went to XXXX XXXX and. Got the gift cards he wanted when I was at check out the lady said I was being scammed so I called truist and asked if the funds were good I was told they were I gave money back and then the check bounced and the bank won't give my money back I'm XXXX I don't have a lot of money

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 2024-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital made a false report on my credit profile for collections on an account I have no knowledge of. They have severely impacted my credit in a negative way and I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: NC

Complaint narrative:
Please take notice that this complaint will constitute a Pre Arbitration / Litigation Demand Notice There is an account reporting as a collection on my credit report from the debt collector named XXXX XXXX XXXX in the amount of {$2200.00} with interest accruing every month for a Rental Lease for an apartment Unit which was not on the Lease contract that was provided when I reached out to the debt collector and asked for them to Validate the debt. I have attached the Debt Collectors Debt Validation response. If you examine the Rental Agreement, you will notice that the Unit referred to in the agreement is unit XXXX XXXX  which the lease was paid in full however XXXX XXXX XXXX is stating that I owe them for UniXXXX XXXX XXXX which is false and misleading because I lived in unit XXXX XXXX before I moved to my current address. This is evidence that inaccurate information is being reported. I have sent disputes to XXXX disputing the accuracy of the account and it came back verified every time. This is evidence that XXXX is violating the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contracted in connection with the dispute. Furthermore, I am demanding prompt removal of this account from my credit report and compensation in the amount of {$2500.00} for damages caused by this inaccurate report being validated which caused for me to be denied for credit which harmed my livelihood. Failure to remove the derogatory account and compensate me for damages will force me to initiate arbitration or other litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: NY

Complaint narrative:
Hello CFPB, I am reaching out to seek your urgent assistance in resolving an ongoing dispute concerning inaccurate and misleading accounts on my credit report. 

The accounts in question have already been successfully deleted from both XXXX and Equifax. However, I am encountering persistent issues with XXXX, which continues to report the same unverified and incorrect accounts on my credit files. 

I kindly request your intervention to facilitate the resolution of this matter promptly. 

XXXX XXXX - Account # : XXXX ***DELETED in XXXX  on XXXX ***DELETED in EQ on XXXX XXXX XXXX XXXX Account # : XXXX ***DELETED in XXXX  on XXXX ***DELETED in EQ on XXXXXXXX XXXX  - Account # : XXXX ***DELETED in XXXX on XXXX ***DELETED in EQ on XXXX XXXXXXXX XXXX  XXXX - Account # : XXXX ***DELETED in XXXX on XXXX XXXX - Account # : XXXX ***DELETED in XXXX on XXXX ***DELETED in EQ on XXXX Recently, I have been consistently receiving notifications about unauthorized hard inquiries on my credit reports from all credit bureaus. This situation is causing significant distress and concern for me, and I am seeking your intervention to stop these unauthorized inquiries immediately. 

I kindly request your prompt action to investigate and rectify this issue, ensuring that my credit information remains secure and free from unauthorized access. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: GA

Complaint narrative:
I filed a dispute with Experian business because I discovered that my auto loan payments were only reported once in XXXX of XXXX, I asked that they update my report with accurate and complete information. On XX/XX/XXXX, I received a notice from Experian Business stating that my dispute was closed. They did not send me a complimentary report of the changes they claim they made. They also informed in that same letter, that they found multiple profiles for my company, but failed to provide me an explanation as to how they determined which profile belong to my company. Per FCRA when a dispute is made, and changes are made to a report a free report must be issued for the requesting person to give them an opportunity to review for accurate and complete information. That did not happen here. I have requested twice a complimentary copy of the update business 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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
For over 6 months someone has kept opening accounts in my name without my knowledge at M & T Bank. I have called them to resolve the issue countless times, yet I keep receiving mail about accounts opened in my name.

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 2024-02-26 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:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been attempting to contact your department since May via mail, alerting you to the presence of an inaccurate and misleading entry on my credit report. However, even after obtaining an updated copy of my credit report today, this erroneous item persists. That's why this time I raised this concern via CFPB.

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 2024-02-26 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: SC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX 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 of 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 2024-02-26 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: LA

Complaint narrative:
I will have XXXX eligible payments that count toward PSLF in XX/XX/XXXX and XX/XX/XXXX for my student loans. Since payments resumed in XXXX, I have made payments each time I have been billed and I enrolled in auto debit for my account, in which payments would be debited on the XXXX of the month. On auto-debit, my account was debited for XX/XX/XXXX, but for XX/XX/XXXX, my account was not auto-debited. I received no communication regarding why it suddenly skipped the XXXX payment. The auto-debit resumed on the regular debit date of XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from MOHELA stating that since my XXXX billing statement was sent less than 21 days prior to my payment due date, my account would be put into administrative forbearance from XX/XX/XXXX, XXXX XXXX, XXXX, which meant that no payment would be required for this time frame and that these months would count towards PSLF. On my payment tracker for MOHELA it states that XX/XX/XXXX is an ineligible payment period. I have emailed MOHELA multiple times to have this fixed and I have also called into MOHELA. The wait time for this call was XXXX hours and the representative stated that I should give it some time for the payment tracker to be adjusted. I do not have any confidence that they will fix this issue. I did not ask to be put on forbearance, if I knew that my payment would not be debited for some reason, I would have made a payment, but MOHELA does not communicate effectively. I would just like to have the month of XX/XX/XXXX changed to an eligible payment as it stated in my email on XX/XX/XXXX and have my payment tracker fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see attached file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
18 yr mortgage paid off XXXX. All previous payments and access to my loan account were via on-line/electronic route. Immediately on loan payoff, all access to my statements/loan info was blocked. 
As of today, XXXX, no tax statements for 2023 are accessible on-line. Nothing received by mail. 

The Mr. Cooper site states that tax forms will be available by XX/XX/2023. 
Multiple attempts made to contact a human associate of this company have been futile. Any/all contacts are robo-calls. The " Help/Chat Line '' is a joke and a dead end. No option on-line or via phone to communicate this specific question ( when/how will I receive tax info ) to a sentient being. 

Note to others : prior to loan payoff, get name/contact info of the property 's insurance carrier. Without this, you'll need a XXXX point inspection and possibly added costs/higher premiums if you can not prove property was covered. This company provides no information whatsoever on closure of the loan. Good luck trying to any information from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have attached a letter indicating the inquiries on my credit reports should not be there as I do not recognize them.

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 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On XX/XX/2023 I submitted a mortgage relief application to the Virginia Mortgage Relief program to provide assistance with my past due mortgage payments and homeowners association fees. I was notified by XXXX XXXX, XXXX representative, On XX/XX/2023 a bulk payment ( no specified amount ) was sent to my mortgage company on XX/XX/XXXX, XXXX.Regular mortgage payment was made on XX/XX/2023. My XXXX, XXXX, XXXX, XXXX, and XXXX mortgage statements stated my next payment due was XX/XX/2023. On XX/XX/2023 XXXX XXXX VMRP Outreach Specialist called and notified me that a reverse payment was completed because I received aid that wasn't designated for me and to call my mortgage company. I asked for something in writing tot explain what happened because the error was not mine. They overpaid and should at least assist me in finding a resolution to a problem I did not generate. That never occurred. I was treated as if my dire circumstance was self generated. The reversal of funds sent my current mortgage into immediate default and started a process of me trying, alone. to work through this situation. That is m current plight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified inquiries MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name AIDVANTAGE __ Date open______XXXX___________________________________ Account NumberXXXX Reason for dispute__IDENTITY THEFT_______________________ Account Amount__XXXX______________________________ Account Name___XXXX _____ Date open________XXXX_______________________________ Account Number___XXXX______________________________ Reason for dispute__IDENTITY THEFT___________________________ Account Amount____XXXX_____________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: MI

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my 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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Chex system has violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My Lender refuses to sign and send my vendor payment for the insurance work completed. My Lender did an inspection and closed out the file but my Vendor still has not been paid or received the check. My XXXX XXXX maid it out to the XXXX and that's why its been such a process. The work was done over a year ago and my Lender still wont hand over the money my XXXX XXXX paid for. I don't know what else to do. My Vendor of course is threatening to file a Lien on my house and this isn't my fault. I don't know what else to do. They got in the way and have sat on the check now for months. They did their inspection ( the Lender ) and they said they were good. Now they want to to sign something to avoid Lien costs but the Lien is because they are sitting on the check. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Village Capital & Investment LLC
State: WA

Complaint narrative:
I attempted on XX/XX/XXXX to make XXXX payment Due to the incompetence of the employee I was unable to pay the entire amount because I was XXXX $ short in XXXX account and need to split into XXXX and XXXX the XXXX was processed but the employee did not know how to take the XXXX $ so she told me to call back the next day to pay but no one would answer for the next week and I finally emailed the company to have someone call me! Eventually after XXXX I was able to get someone and they processed that payment and took an advance on the XXXX payment. I called twice in XXXX and finally determined that they had tried to debit the wrong account. But was then fixed. All of this is recorded and commented on by their employees especially XXXX and XXXX, they took off late fees and said it was all taken care off. I sent concerns to inquiry @ village capital. They reported me late and dropped my credit score to XXXX from XXXX so I am devastated. I sent all info and asked for an investigation, they said they were justified. They couldnt have read the comments and come to that conclusion.please investigate this. I dont believe I can ever recover from this.

Company response to consumer: Closed with explanation