vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
This company is awful to work with. They reported a XXXX day late payment on my credit report which is incorrect and refuse to correct or remove it. I have documentation that payment was made on time. 

XXXX banking : XX/XX/XXXX ( XXXX ) External Withdrawal SLS Mortgage Pay - Web Pay XXXX Principal : {$710.00} Interest : {$0.00} Escrow : {$0.00} Escrow Balance : {$0.00} LateCharge : {$0.00} Unapplied : {$0.00} Principal Balance : {$72000.00} XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds ) XX/XX/XXXX XXXX Unapplied Funds Unidentified - XXXX XXXX ( used for sweeping funds ) XX/XX/XXXX XXXX Single Item Receipt - Via XXXX XX/XX/XXXX XXXX Unapplied Funds Unidentified - XXXX XXXX  ( used for sweeping funds ) XX/XX/XXXX XXXX Unapplied Funds Unidentified - XXXX XXXX ( used for sweeping funds ) XX/XX/XXXX XXXX Electronic Payment - Autopost

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 2024-02-29 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: FL

Complaint narrative:
These inquiries were not opened and initiated by me, I suspect them to be a fraudulent inquiries. I am requesting you to do a thorough investigation regarding this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
I was discharged from my student loans as part of the XXXX XXXX XXXXXXXX lawsuit. My school was named and I received the approval from US department of education. Borrower defense department has sent over the discharge paperwork to Mohela and they have refused to discharge my student loans. The loans were due for forgiveness by XX/XX/2024. Mohela has since placed me back into repayment, when they are not supposed to, according to the lawsuit. 

I am needing immediate discharge of my student loans as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland Credit Management has an unverified, obsolete, and inaccurate account on my credit credit report. 

This account needs to be deleted from my credit report. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: OH

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america closed my business and personal accounts for no reason and are holding my money 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 monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have federal XXXX  loans that were once serviced by XXXX. Last year, the federal government transferred them to a new servicers, XXXX. I realized recently that the loans all appear twice on my credit report : they appear correctly under XXXX, but XXXX is still listing all of the same loans that got transferred away long ago. As a result, my credit report is now showing that I have double the XXXX  loan debt that I actually do. I twice submitted a request for this to be fixed through Experian. The first one was rejected, so I called up for help, and they modified the wording and resubmitted. XXXX then rejected the request again in less than 24 hours. XXXX 's own system, including their telephone support system and their website, all show my loans as having a {$0.00} balance because they were transferred, but they are refusing to remove them from the score, which has prevented me from being able to get a home loan. 

I also called XXXX on the morning of XX/XX/XXXX asking for their help. They agreed with me that they were in error and that the loans were at {$0.00}. But the next day, they still denied my request through Experian to remove the debt. 

Here are the loans that should be removed from my credit report : XXXX XXXX XXXX XXXX {$53000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$9800.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$49000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$18000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$9800.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$29000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$19000.00} Balance updated 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 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I did not accept a loan offer from NetCredit, but I was interested in obtaining a loan for debt consolidation. I applied online through NetCredit.com and reviewed my offer. I was shocked when I saw the APR. NetCredit is charging 98 % APR for Installment Loans with biweekly payment terms. In Florida, this is not allowed as it exceeds the maximum allowable interest rate. Do not fall victim to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — Store credit 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: GA

Complaint narrative:
We had some really bad weather a few weeks ago which caused several issues with my orders being delivered, products were delivered damaged/faulty. 

Accompanied with the fact that many of the boxes were open when I got home, Home Depot representatives falsely stated that the product was not received after I clearly stated the products were damaged. They also claimed that they credit my account, but my account balance never changed.

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 2024-02-29 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: TX

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I contacted Discover over a separate issue than in this complaint so don't think its a duplicate, this IS NOT A DUPLICATE. When on the phone with the customer service rep, she taked to taunting and condescending that i said I should close my account and go elsewhere, but i won't i want my issue resolved. XXXX days later i found my card closed without my permission. I have called the company over this matter several times and they have not helped me fix this. They never offered to look into the matter and have not helped me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
I over pay my RV loan every month. It is not much, but they are not crediting my account properly. At least I don't think so. Then after months I see the payment amount due drop down and I still pay the {$1000.00} every month, there is no extra principal applied, but they sure take the interest freely. I feel like I am getting XXXX  and I don't like it. My loan is over $ XXXX and I want to get it down asap, but MT Bank does not seem to be helping. I did reach out and they told me they can apply it however they see fit. I have the message exchange regarding that information. I just need to make sure this bank is acting in good faith and taking care of me in the proper way.

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 2024-02-29 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: CO

Complaint narrative:
The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX ACCT NUMBER : XXXX DATE : XX/XX/2018

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 2024-02-29 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: CO

Complaint narrative:
The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX ACCT NUMBER : XXXX DATE : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: MI

Complaint narrative:
I was alerted to a new hard credit inquiry on my credit report, lowering my credit score. It showed it was from XXXX XXXX XXXX. I contacted the bank and the person I spoke to asked me to provide a number associated with an account to look it up. I stated I did not have that. I was transferred to the fraud department where they attempted to find the inquiry but found nothing. It is now showing on both my XXXX and my experian reports.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Approximately XXXX or XXXX years ago, in XXXX I purchased a XX/XX/XXXX from XXXX XXXX of XXXX XXXX. This was after much hassle, as there was an issue pulling my credit up. There is ( and still is ) a freeze on my Equifax report that I never once in my life have issued. I have never had an account with Equifax, and I can't even make an account with them, as I get an error message upon trying. My mother was with me at the dealership, and we spoke to many of the call center agents who kept looping us back in circles. I recall them saying my account doesn't exist, okay but so why can't I make an account then? If my account does not exist, why is it frozen? Many hours spent, eventually the dealership found a lender who didn't pull from Equifax and that worked. Long story short, man on opioids crashed into it and did a hit and run. Fast forward to today, I'm ready to purchase another vehicle. I applied for a XX/XX/XXXXXX/XX/XXXX, and it got instantly denied which is a result ( I called XX/XX/XXXX and spoke with a rep who told me it's this freeze ) of Equifax chicanery. 

I still can not make an Equifax account. I still do not have an Equifax account. My number by them is in limbo, because of this and it is infuriating. I'm calling them again as I type this and I will have a VERY descriptive explanation from them, right from the horses mouth. Okay so the automated system CAN NOT verify my information, but I have no identity theft issues, my credit is really good and no suspicious activity. I monitor my credit like a hawk. Got on the phone with an agent ( outsourced to third world country of course ), we are looking for my file via SSN right now. Provided my address, dob, and name. The agent has asked if I have had lines of credit in the past, and I confirm yes. For the record I currently have several credit cards, I think four or so. I don't think they pulled from Equifax, so issue circumvented in a round about way. 

Agent found a file, but they are unable to access it, because some information needs to be fixed. Requiring photocopy of SSN, Drivers Liscence, Cover Letter... I'm just remembering I did this crap in the past. This is done via mail, not Fax in the 21st century. I'm still submitting this, because this is absurd. There should be an online form to do this, not sending via snail mail.

Just like last time when this issue happened, I had no way of knowing until I went to do something that there's a freeze on the account, but like I said, I never attempted to make my account until that first day two years ago or so. Zero communication from that company. Also, I could totally still reach out to the guy who sold me the car at the dealership as a third witness to this XXXX I went through two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
XXXX {$10000.00} Denying account belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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 recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 explanation
Consumer complaint received 2024-02-29 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: CA

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I recently disputed inaccurate information that I noticed on my credit reports with the creditors and the credit bureaus. I sent documents showing I was involved in a data breach however they did nothing to remove this erroneous information. I asked for verification of these accounts and did not receive any further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: 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 XXXX5 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