vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I demand that the XXXX XXXX inquiry be deleted from my credit report as the information is still being incorrectly reported on my credit report. It needs to be removed immediately from my credit report. It has been reporting on my consumer report since XX/XX/year> even though no consumer credit transaction has taken place. Any/all further inquiries posted on my consumer report MUST have my written consent. ATTENTION : Following deletion of these accounts and/or data, please send me a free copy of my updated consumer report reflecting the changes that have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: NY

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: NY

Complaint narrative:
I am writing to express my frustration with the dispute process regarding item on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The item in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Addresses and contact information need to be removed, they're not correct.

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 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One is reporting inaccurate information to the credit bureau which is ultimately dropping my score. I made a settlement agreement for {$150.00} with the monthly payment being {$26.00}. My first payment plan was due XX/XX/XXXX and my second payment was made XX/XX/XXXX. My third payment XX/XX/XXXX fourth XXXX XX/XX/XXXX, which total {$100.00} With the settlement agreement being {$150.00} which means I have a balance of {$52.00}. 
Capital One last reported on my credit XX/XX/XXXX reporting a balance of {$230.00} which is inaccurate. This account was deemed closed and charged off. If it's closed and charged off why are they still charging me? This account has been closed since XX/XX/XXXX. XX/XX/XXXX again this account decreased my balance by making inaccurate comments to my credit score that are untrue and its a violation of my Consumer rights. I would like this company to remove all late payments and all in accurate information as well as remove the charge off bad debt as a settlement paid. I would like this settled and the {$52.00} clearled due to damages and false reporting that led to loss of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
company is in clear violation of the law under 15 U.S. Code 1692c - Communication in connection with debt collection.

The law clearly states that : IN GENERAL ( c ) Ceasing communication 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, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

This agency is in violation of 15 U.S. Code 1692c.

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 2024-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I applied for a school misconduct discharge for my XXXX  student loans through Navient, on XX/XX/year> and had to make an edit on XX/XX/year>. I attended the XXXX XXXX XXXX XXXX, which is part of the XXXX XXXX schools that the federal government deemed fraudulent, and is issuing refunds for XXXX attendees. The XXXX XXXX XXXX XXXX made their announcement in XX/XX/year>. I sought out the application for school misconduct discharge, applied to it, and got a canned response on XX/XX/year>. That response did not tell me the specific reasons why my application was denied and what other proof I may have needed. Today, on XX/XX/year>, I asked for reasons why my application was denied, and I was given another canned response, and told to call a number. I called the number, and it was too busy to get through. I know for a fact that Navient XXXX  discharging these loans for school misconduct, so I demand to know why my application was denied, and a chance to redo it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: PA

Complaint narrative:
I checked my credit report again last night and there are still some inaccurate accounts showing up there. I don't know why it's still there but I want it remove immediately

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 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The credit card account was opened in XXXX I had a credit card that I was making payment to since XXXX. I never missed a payment until XX/XX/XXXX when I discovered that my payments were not fairly reported, and data information were not reported accurately. I have come to realized that most of the payments I have made were not reported to the account ( XXXX ) that I'm being sued for by Truist Bank. As reported, Truist Bank changed the name BB & T Bank to Truist Bank since XX/XX/XXXX. Yet, when I checked the credit bureaus reports, no payments were reported until the middle of XXXX ; and only 4 to 5 payments were reported. Moreover, some of the payments I made were not reported to whatsoever. Sometimes in the beginning of XX/XX/XXXX, I informed Truist that I would not make another payment until somebody explained to me why most of my payments were divided in two different accounts, and some were not reported at all. I was informed that somebody would call me to explain it to me. Sadly, no one called me to explain that to me. Next thing I know, I'm being sued by that same creditor who canceled the debt and got paid as reported ( see XXXX and XXXX remark from XXXX for details ).

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 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX keeps trying to put this debt which is oldr than 10 years on my credit bureau report to ruin my credit. XXXX XXXX XXXX is sabatoging my credit and trying to reduce my XXXX  score and credit history. They should be put out of business for these tactics.

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 2024-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, my mortgage was transferred to another company. I had been trying to get my issue resolved with prior lender but instead was transferred and had to start over again. On XX/XX/XXXX I tried explaining to my new lender about my issue. The issue I have is that my loan amount increased drastically. The change was caused by annually property taxes at over {$9000.00}. Making my loan payment drastically high. With that price I should own a luxurious home with a pool. I did not here anything back so I reached back out on XX/XX/XXXX and resubmitted my property tax information for a third ttime. The document clearly shows that I have an exemption of {$5600.00}. Somehow they just completely ignored my exemption. Because of this exemption it should have dropped the value of property taxes, because I don't have to pay that amount with my exemption. The documents I have turned in came from the XXXX XXXX treasure and it states an XXXX exemption of {$5600.00}. Now I received a letter back stating that I was given a partial homestead and the amount remains over {$9000.00} and my loan will not be dropped. Now this amount is ridiculous. I would have never bought the property at such payments, because I cant afford it. I cant even buy groceries or house supplies my necessities. This payment is making my life miserable. Im afraid that soon will not be able to make the payments where it will lead to delinquency. I am asking for the help in making the mortgage lender count my exemption and quit making things up. Not only did they raise my loan amount drastically, but they took what I had in escrow leaving me at XXXX. XXXX fin this very unfair. I am a retired veteran where I just wanted to feel accomplished and content and enjoy the rest of my life relaxing. Instead I need to constantly check my funds and what it Id I need to cut or discontinue in order to make my monthly payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AL

Complaint narrative:
I qualified for public student loan forgiveness in XX/XX/XXXX. I applied for pslf in XXXX. In XX/XX/XXXX i received notice that the balances are XXXX. Now, XXXX  months after qualifying, i am getting a notice that there is still a balance of almost XXXX. I cant send any messages on Mohelas website. They wont provide any customer service but continue to attempt to collect on forgiven loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I signed up for a new AMEX credit card. When I received the card, I added my bank account information for payments. I thought I had set up XXXX  but a day after my XXXX payment due date, I got charged a late fee for not paying the XXXX payment by the due date. Then I immediately paid the full statement balance and ensured XXXX was set up. I contacted AMEX customer care to waive/refund the late fee because this was an honest misunderstanding but they refused to accommodate the request. They reasoned that I didn't have enough credit history with them to fulfill my request. I am not satisfied with that reasoning because this issue is likely common with XXXX payers and honestly seems like a policy to pocket late fees from exploitable customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: CA

Complaint narrative:
I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file.Despite my submission of the required XXXX complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the bank associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. 

Moreover, other credit bureaus have already removed this account from their records following the submission of the XXXX  complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 

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 2024-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
company is in clear violation of the law under 15 U.S. Code 1692c - Communication in connection with debt collection. 

The law clearly states that : IN GENERAL ( c ) Ceasing communication 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, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

This agency is in violation of 15 U.S. Code 1692c.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: Kovo
State: GA

Complaint narrative:
to formally dispute the late payment charges that have been applied to my account. In accordance with my rights under 15 U.S.C. 1666 of the Truth in Lending Act, I am providing this written notice to request an investigation and correction of these billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I noticed unanthorized inquiries on my credit report that I would like removed include the following # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX # XXXX Macys/CBNA XXXX XX/XX/XXXX # XXXX XXXX on XX/XX/XXXX according to the FCRA, these unverified and unauthorized items must be 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 explanation
Consumer complaint received 2024-07-08 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: MI

Complaint narrative:
I recently looked at my credit report and noticed an account that was not reporting accurately. I had a 30 days late payment that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments and Ive attached a copy of my report to show the account and the dates ( XX/XX/year> ) for Account XXXX XXXX Bank XXXX Account XXXXXXXX XXXX I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time. Thank you for your understanding and prompt action.

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 2024-07-08 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: CA

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the bank linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: GA

Complaint narrative:
I am writing to delete the following information for my life. The items I need deleted are listed in this report. I am identity victim of identity theft and did not make the charge. I ask that the items to correct my credit report .I reported the theft of my identity to the Federal Trade Commission XXXX and I also have enclosed copies of the Federal Trade Commissions identity Theft Affidavit. Please please delered all the incorrect information.

Company response to consumer: Closed with non-monetary relief