vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: PA

Complaint narrative:
I am filing this dispute regarding my auto loan with XXXX XXXX  because I have not received a 1099-C form related to the loan, which has been reported as a profit and loss write-off on my credit report for an amount of {$27000.00}. This missing form is causing confusion and potential tax issues for me, as I need to accurately report my financial situation. I have attempted to resolve this with XXXXXXXX XXXX but have not received a satisfactory response. I don't have the account number, and the write-off occurred on XXXX. XXXX XXXX Thank you for your assistance in helping resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a claim with capital one for an item not received after requesting a refund from the merchant. Capital one metered my claim in as merchandise not received. However it should be a claim for a refund not being provided. I was promised a {$500.00} provisional credit within 6 business days. Now Capital one is telling me they wont update the claim or accept my documents after submitting them. 

Im adding the requested information for my claim to be updated as the merchant refused to give a refund by not responding after not receiving the education course by mail or online. 

Here is the document proof for contact of the merchant Claim number. 

XXXX My name XXXX XXXX Please see attachments Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion credit reporting company been damaging my credit report for the passes 5 years. I try to fix the proleme with them but they never cooperated.this is supposedly a 19 years that never belonged to me.I dispute this debt several times. They rejected my claim based on the fact XXXX the lender confirmed the veracity of the debt. 
I believed 7 years is length of negative reporting but this debt is 19 years old but they can provide me with promissory note for this debt or the last day of delinquency, which does not exist because I never pay a single dollar on this debt because it never been mine. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I've tried repeatedly to add the Amex gift card to my XXXX  wallet. Every time I try to set it up for " tap to pay '', the card is rejected. 

I've followed instructions online but it doesn't work. 
XXXX XXXX XXXXamexgiftcard.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
According to Law USC 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
I purchased a Vanilla gift card for {$400.00} from XXXX on XX/XX/XXXX. It was declined when I tried to use it. When I called, I was told the card had been compromised and placed on hold to protect me and they would ship another one. 

I received the replacement card about two weeks ago and wasnt able to activate it. I was told it had been compromised again and that they would mail another one and to call back if I hadnt received it by today, XX/XX/XXXX. 

When I called today to check on it because I havent received it yet, I was told by a XXXX ( spelling? ) that it hadnt been shipped yet and I needed to email a copy of my bank statement for proof of address. I later talked to a supervisor that said my card had been shipped on XX/XX/XXXX and to wait a few more days. 

I am very concerned that they would ask for a copy of my bank statement and am worried that they may have some insider fraud happening within the organization. I am also concerned at this point that my card is either not really on the way here or if it is it will not work again when I receive it. 

Please let me know how you can help me get my money back and ensure my information is protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: VA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial in accurately reporting consumer information. It is payment im perative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX account number XXXX ], [ XXXX, account number XXXX ], [ XXXX XXXX XXXX, account number XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments, If unable to furnish such proof, I demand that these payments be promptl updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Over the course of my auto loan, I have overpaid approximately {$1700.00}. I originally check a box stating that I want the extra amount applied to principal. Unbeknownst to me, they have applying the excess payments to finance change although it was represented to me based on my selection at payment and on billing statement itself, that extra payment would be applied to principal. This has occurred over the life of the loan ( opened XX/XX/year> ) which has resulted in paying higher fees than I should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of the following account from my credit file due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the fraudulent account associated with my name. The details of the account in question are as follows : Account to be blocked and deleted : XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$15000.00} As this account was opened fraudulently as a result of the data breach, I request that it be blocked and deleted from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation that this account has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items appearing on my credit report, via USPS certified mail tracking # XXXX. In addition, I disputed incorrect personal information listed in my credit file. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent utility bill with my current address. 
According to USPS tracking, the letter was delivered to Equifax on XX/XX/year>. Despite my detailed and valid request, Equifax has failed to provide any investigation results. It has now been more than 30 days since my submission, and no communication or resolution has been provided. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
Equifaxs inaction and failure to respond to my dispute appear to be a direct violation of this requirement, denying me my consumer rights. I am including a copy of my dispute letter sent to Equifax and the USPS certified mail proof of delivery as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
My student loans were paid in full as of 2022. This has been verified through my lenders and the Department of Education. However, I have been receiving calls from Nelnet regarding funds that I owe. This is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I Experian has different results than the other credit reporting agencies all of are different and I can't get any of them to reconcile my credit report. I can't get a hold of experience at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I keep sending in money for extra principal but they keep putting it in a partial payment every month I write it on the coupon and some money order and they dont do it I have to keep calling them like a baby to remind them where to put it and after 3 months they still are not doing even with send message to them they keep saying we are working on but the dont I really tried of me keep having to write or calling every month please can u help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-19 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My student loan servicer has been denying the interest subsidy that's part of the SAVE PLAN even after making full monthly statement payments ( in some cases much more than full monthly statements ). 

I have made FULL MONTHLY PAYMENTS every month since student loan repayments started again in XX/XX/XXXX. In some cases, I have paid well beyond the full monthly statement. There should be {$0.00} accrued interest accumulating as the SAVE Plan is supposed to provide an interest subsidy for anything beyond the full monthly payment. 

Yet, I was recently charged {$1000.00} in interest on a {$2000.00} payment for XXXX. I made full monthly payments every month prior to that, not withstanding recent mandatory forbearance where there is no interest on the loans. 

I submitted a complaint with the CFPB about this issue earlier this week, and the company responded quickly with an answer, saying they have calculated everything correctly. That turned to be a bunch of horse hockey. 

I just spent roughly 90 minutes on the phone with an Aidvantage supervisor clearly identified that the SAVE Plan interest subsidy did not apply to my account in XXXX, XXXX and XXXX of XXXX -- despite full monthly statement payments being made in each of those months. 

Again, a supervisor from the company just told me on the phone that he could not explain why Aidvantage was failing to apply the SAVE Plan interest subsidy during those three months, even after I made full monthly payments that would qualify for the interest subsidy under the SAVE Plan.

This company has taken a huge chunk -- more than half -- of a recent payment and applied it to some phantom interest charge that should not exist. I qualify in each of those three months, XXXX, XXXX and XXXX, for an interest subsidy under the SAVE Plan because I made full monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
My first loan was XXXX on XX/XX/XXXX, my refund was delayed per Mohela due to the transition to their new online platform. The amount due to me is {$2600.00}. The 2nd loan was XXXX on XX/XX/XXXX and I have an amount due of > {$600.00}. 

I was told XX/XX/XXXX that the refund for XXXX {$600.00} was sent by mail earlier in XXXX as of today XX/XX/XXXX I have not received this check. 

Each time I talk to them they tell me the first loan that was XXXX had the account deleted during there transition and they have to rebuild by account, to this date I have not received a refund and I continue to wait on hold. 

I have called several times and always I am on hold for over an hour and have to speak to a customer service representative and then I am transferred to a supervisor. This has happened at least 3 times since XXXX. At this time I have been on hold today for 1 hour and 38 minutes. 

Please help me.

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