vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: NJ

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: IL

Complaint narrative:
On XX/XX/2023 my ILLINOIS/DEBIT/WAY2GO card was compromised. Immediately I called customer service number on card. I was told card would be canceled however, I could not get the remainder of money until I received a new card. Asked how do I get the money left, he said go to a store and get cash back then cancel the card. {$500.00} was taken leaving {$160.00} left. Retrieved cash back at a local XXXX. Canceling the card immediately following. After canceling the card I was no longer able to speak with a live person, tried numerous time to report the fraud! Had to wait until new card arrived, 10days later in the mail. 
On XX/XX/2023 new card arrived, called customer service to report the fraud. Was sent a form which arrived a few day later, however on XX/XX/2023 was given instruction on how to write a letter, with my complaint and a FAX # AS WELL. Faxed complaint to XXXX XXXX IN TEXAS as well. Have been in touch with XXXX XXXX a few times. They were suppose to give me a PROVISIONAL CREDIT per a letter they sent me, while investigating my complaint, because they received the form and letter by XX/XX/2023. However upon calling them they REFUSE to return my money, stating it could take 45-90 days. I need my money my bills are past due now and, it appears the theft was done internally. The money was taken on the exact date my money was deposited on the card, with a {$500.00} limit per day! The card never left my possession. The letter plainly stated if I got the form and papers back before the deadline they would return my money. However they still have not!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Maximus Education , LLC dba Aidvantage has discharged ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. Per IRS Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return. 


The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) An applicable financial entity has discharged ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. Per IRS Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
I am writing to follow up on my previous dispute regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter. 

**See letters for the disputed items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I filled out an application on Marcus.com on XX/XX/2023. I filled in all of my personal information including social etc. They told me I was approved and I uploaded front and back of my Driver License per their request. It is showing on my XXXX credit report that GOLDMAN SACHS BANK USA did a soft check. I called ( XXXX ) on XX/XX/2023 about 5 days after and spoke with XXXX Supervisor  named XXXX, who was rude, he explained to me that the only information in their system is my name. They can not find my application. I am extremely concerned because they asked me to fill out another application after they already ( lost?, stolen?, deleted? ) my information. I will like to know what happen to my information and make sure there is any fraudulent activity going on with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am requesting the removal of unauthorized credit report inquiries from my credit report. I noticed the unauthorized inquiries listed below after receiving a copy of my credit report on XX/XX/2023 Barclays bank XXXX XXXX Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible. 
Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
My aunt had a reverse mortgage she started paying it back she passed more then two years ago and then this people came and said we have two weeks we have the deed but they don't tell us how much was owed. They are fraud. There stealing a house iam not even sure if it was a reverse mortgage .. then it says that it was foreclosed and that they bought it from the auction .. also it says the bought it from my aunt whit the date they put on there was 2022 she had passed already

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am writing to file a formal complaint against Capital One concerning the unwarranted closure of my credit account and the subsequent allegations of First Party Fraud, as detailed in their correspondence dated XX/XX/XXXX. This matter involves a concerning misinterpretation of the terms within Capital One 's cardholder agreement and raises questions about the legality of their actions. 

On XX/XX/XXXX, I tendered payment for the bill sent to me by Capital One, adhering meticulously to the provisions outlined in the bill of exchange and the accompanying instructions. The payment, intended to be applied as a positive value to my principal credit account, was, however, deemed by Capital One as illegal and constituting fraudulent activity. This conclusion was reached despite my strict adherence to the guidelines set forth in their cardholder agreement.

The cardholder agreement explicitly directs that items bearing restrictive words, conditions, limitations, or special instructions, including those marked " Paid in Full '' or similar language, should be exclusively mailed to the specified address : Capital One XXXX XXXX XXXX XXXX, NC XXXX It is worth noting that all accompanying communications are also subject to this requirement. Despite my compliance with these stipulations, Capital One has deemed my payment and its associated communications as violative of their agreement.

Subsequent to their receipt of my payment, Capital One proceeded to close my credit account. Notably, they assert that the closure is attributed to my failure to remit federal reserve notes, a condition not explicitly stipulated in the cardholder agreement. As the original cardholder and holder in due course, I communicated to Capital One that they lack the authority to close my credit account without my explicit permission and, concurrently, retain the tender payment. This action, in my view, constitutes an unauthorized use of my credit, as delineated in 15 USC Sec. 1602 ( p ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a look at the attached documents. I want the bureau to start an examination into these accounts, as I am never tardy, yet they are incorrectly recording me as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: MS

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.

has violated my rights. Or a list of inquiries : 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 2023-12-27 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: MS

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.

has violated my rights. Or a list of inquiries : 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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Review the attached documents. I urge the bureau to initiate an investigation into these accounts, as I am consistently on time, yet they are erroneously reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in the status of trying to repair my credit and purchase a home and I saw that the company XXXX XXXX XXXX has reported a charged off status on my on TransUnion and XXXX credit report, but the company did not send me a copy of the 1099-c form. I have notified XXXX by writing several times for a copy of the 1099-c. As of today 's date I have not received a copy since 2018. Due to this being on my credit report the creditor is causing more financial hardship by violating the FCRA by not providing an option for me to dispute this creditor of 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 2023-12-27 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: FL

Complaint narrative:
I am in the status of trying to repair my credit and purchase a home and I saw that the company XXXX XXXX XXXX has reported a charged off status on my on XXXX and Experian credit report, but the company did not send me a copy of the 1099-c form. I have notified XXXX by writing several times for a copy of the 1099-c. As of today 's date I have not received a copy since 2018. Due to this being on my credit report the creditor is causing more financial hardship by violating the FCRA by not providing an option for me to dispute this creditor of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NY

Complaint narrative:
I write to apprise you of an issue I am having with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri ( MOHELA ). This issue relates to the Department of Educations on-ramp, in which a retroactive forbearance will be applied for payments missed between XX/XX/XXXX and XX/XX/XXXX. 

Representatives of MOHELA have provided myself and other borrowers with incomplete and misleading information about the on-ramp. This afternoon, I spoke with a MOHELA representative, asking her to confirm that I would be eligible for the on-ramp. Although I knew about the on-ramp through my own research, I wanted to confirm, for the avoidance of doubt, that my account would be eligible. MOHELAs representative denied having any knowledge of the on-ramp or of any retroactive administrative forbearance. It was only after I explained to her that I was an attorney and knew the details of the program that she finally acknowledged its existence, although she still did not confirm that I was eligible. ( When I asked to speak to a supervisor, the representative told me that this would entail a hold time of two to three hours. ) I do not understand why it should be this difficult to get basic information about my student loans from MOHELA. And it concerns me greatly that borrowers who are unaware of the on-ramp are being given incomplete and misleading information, potentially causing them to lose the benefits of this important provision. 

I note that this is not the only issue that I ( and other borrowers ) have had with MOHELA. My request to be enrolled in an income-driven repayment plan was denied twice without adequate explanation, and call hold times to clarify the matter have spanned hours. Processing times are unacceptably long I submitted all requested supporting documentation on XX/XX/XXXX ; MOHELA has yet to take action on my request. 

It is my hope that your office can address these problems, for myself and millions of other student loan borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a payment of {$900.00} on this account on XX/XX/XXXX for payment due XXXX XXXX. 
On XX/XX/XXXX I made another payment for {$400.00} payment due XX/XX/XXXX. This payment was made by using the " Pay Now '' button on the account dashboard through the website, not externally. Because this was apparently the statement ending date ( keeping in mind my payment DUE was XXXX XXXX, and had been made ), this payment was applied to no balance due but instead backwards to the XXXX statement. 
I chatted with a customer service online who was not helpful nor were they even remotely nice. 
I called a few days later and the first person I talked to was nice but not helpful so I asked to escalate. I was escalated to an " Account Manager '' who was incredibly rude the whole call. " I'm not going to repeat myself '' - I'm sorry, I thought this was your job? 

I am simply asking that there is no late fee, and my account is no longer marked past due, and unlocked. It's really not that difficult, as anyone can see that I made this payment and an automated system misapplied it. When the due date I SEE on the website says XX/XX/XXXX, it stands to reason that when I press that pay now button after that date, I'm paying for the NEXT due date. 

If I am incorrect - A. this is incredibly misleading and is absolutely entrapment on their part. 
XXXX it's clear I did not " not pay my bill '', so inform me of the bug on your website so I know what's reality in the future, and make an adjustment for a loyal customer who consistently pays on time so as not to penalize me for a " mistake '' that really wasn't a mistake. 
XXXX train your " Account Managers '' to interact with clients with respect and humanity, as the way I was interacted with was nothing like that, and completely inappropriate.

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