vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: LoanCare, LLC
State: IL

Complaint narrative:
There is fraudulent mortgage reporting on my credit report. My signature was forged to obtain a mortgage loan.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My name was found in the 2017 data breach and I never received a notice. Wages from 2017 are missing due to this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
Please See Attached Documents for additional information that was requested by the Credit Reporting Agency.

Enclosed Documents -Determination/Certification Letter -Trafficking In Persons Letter/Adverse Items -Passport ID -Federal ID -Bank Statement Credit Reporting Agency requested additional information to process block due to documents not being legible, 11 days after the 5 day deadline requirement, violating the regulation implemented for the Act. The Credit Reporting Agency have not implemented the proper procedures required by the regulation, giving victims the option to submit documentation online causing me the consumer no other option but to submit additional documentation through the CFPB, due to not having a stable address at the moment caused by this situation! Equifax also violated the law and submitted my trafficking documents to the credit furnisher which disagreed and said information was accurate when the credit furnisher never had any right to be disclosed my trafficking documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
Experian is in violation of 15 USC 1681b ( a ) ( 2 ). I did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed listed below : XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # 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 2024-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In XXXX or XXXX of 2023 I had contacted navient to express my confusion after submitting an application for that save plan. I have two loan servicers and per the studentaid.gov web page this is all I needed to do, which I did and after contacting navient I was informed that I did not process anything through them. Specifically. I let them know a month or XXXX prior. I applied for the safe plan and was approved and at this moment I have XXXX dollars to pay per month towards my loans. They have affected my credit and I was informed that in appeal letter would be submitted for the correction which was never done. As of now I am still delinquent and my credit report has gone down by approximately XXXX points due to their negligence. If studentaid.gov is a one-stop shop for all loan servicers, I'm not sure why navient does not follow the same rules. This seems to be very harassing due to all the phone calls and emails I receive and it definitely increases stress and XXXX  due to the fact of how they are affecting me when I followed everything I was supposed to on the XXXX application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Collection Systems, Inc.
State: NY

Complaint narrative:
My credit was ruined out of nowhere from a bill that I never received or had any knowledge of. It was in collections on my report before I even knew the claim they made. If I knew that I was enrolled in classes I would have withdrawn because I didn't live in XXXX county. The school never sent me one bill or any mail making me aware of the fraudulent enrollment. They claim the bill is valid, but have no way to prove it was me that signed up. My kids could starve because times are hard and they stole my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was asked to sign an application for CARE CREDIT without any verbal explanation from the credit card company or the doctor 's office. I was not given advanced knowledge or details of this debt until after the services began. I was never contacted by CARE CREDIT about my ability to take on this debt. After 30 days I was told that they had closed my previous claim without ever trying to contact me in person. I feel like this is a case of fraud against an elderly person and I wish to continue my complaint against them. I will try to hire an attorney to seek their help. This case is not CLOSED in my mind. The office person who signed me up with CARE CREDIT no longer works in their office and I am not able to reach him. 

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. The list of accounts I have provided below have violated my consumer rights to privacy and confidentiality under 15 USC 1681.

I recent sent a letter to Experian about inaccuracies reporting on my credit report and how these inaccuracies have affected my ability to obtain job opportunities, opening credit cards, and even auto loans. Experian sent me an email two days after receiving my letter and saying how they do not believe I am the one who sent this letter to them. 

XXXX - XXXX - This account is reporting an incorrect " Payment Status '' ( LATE 60 DAYS ) while the other two credit bureaus are showing " CURRENT '', all three bureaus are showing different " Date Opened '', " Last reported '', and " Date of Last Actie '' XXXX  XXXX XXXX - This is also reporting inaccurately - all three bureaus are reporting different " ACCOUNT STATUS '', " DATE OPENDED '', " PAYMENT STATUS '', " DATE LAST ACTIVE '', AND " LAST REPORTED '' XXXX XXXX - XXXX - This is also completely inaccurate. - The open date is reporting differently across all three bureaus, the " CREDIT LIMIT '' is reporting differently across all bureaus, the " DATE OF LAST PAYMENT '', AND " DATE LAST ACTIVE '' XXXX XXXX - XXXX - This is also completely inaccurate. - Inaccurate Info being reported across all three bureaus! The " OPEN DATE '' is reporting inaccurately, " ACCOUNT STATUS '', " HIGH CREDIT '', " CREDIT LIMIT '', " LAST REPORTED '', " DATE LAST ACTIVE '' XXXX XXXX  - XXXX - This is reporting in accurate as well, only experian and XXXX are reporting this account and both are reporting different information. " ACCOUNT TYPE '', experian is reporting open but under " PAYMENT STATUS '' this account is reporting collection/chargeoff, " LAST REPORTED '' date both bureaus showing different dates, both are reporting different " DATE LAST ACTIVE '', and experian is not reporting " DATE OF LAST PAYMENT '' XXXX XXXX - XXXX - This as well is reporting inaccurately across all three bureaus as well. " DATE OPENED '', " HIGH CREDIT '', " DATE LAST REPRTED '', " DATE LAST ACTIVE '', " DATE OF LAST PAYMENT '' and only experian and XXXX are reporting this account, exquifax is reporting " OK '' for the payment history months and experian is reporting " CO '' / CHARGED OFF '' for all payment months 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 known or has a responsible cause to believe that the information is inaccurate. 

Please investigation and send me proof of your investigation, I want these accounts listed removed from my credit profile.

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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have had a solo checking account with PNC Bank ( beginning at National City which is acquired ) for 25 years. About a week ago I received notification in the mail that my checking account and XXXX savings account were being closed by the bank. I attempted to call customer service and they refused to provide an explanation. I have never been overdrawn, I receive a regular direct deposit from my employer and otherwise most transactions are autopay bills. I was given no notification that the bank was concerned about my account. I do not transfer money into or out of this account aside from direct deposits and regular transfer from checking into the savings accounts. Customer service was unhelpful and quite frankly rude in their unwillingness to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On or about XX/XX/22 I noticed a collection on my credit report from XXXX XXXX XXXX regarding a XXXX XXXX XXXX. I paid immediately based on the statement by the collector that the item would then be deleted from my credit report. I called back recently looking for an update and was told that they would only be updating this to paid and the collection wording would remain on my report. 

This was NOT what I was told. All calls into collection agencies are recorded. Pull and review the recording. 

If I am not given the arrangement that I was told, I intend to pursue this with an attorney for damages. 

I have attached a copy of this tradeline from my credit report below.

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 2024-01-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On or about XX/XX/22 I noticed a collection on my credit report from XXXX XXXX XXXX regarding a XXXX XXXX XXXX. I paid immediately based on the statement by the collector that the item would then be deleted from my credit report. I called back recently looking for an update and was told that they would only be updating this to paid and the collection wording would remain on my report. 

This was NOT what I was told. All calls into collection agencies are recorded. Pull and review the recording. 

If I am not given the arrangement that I was told, I intend to pursue this with an attorney for damages. 

I have attached a copy of this tradeline from my credit report below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: PA

Complaint narrative:
My Information was sold and bought " illegally '' because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach, my Equifax Data Breach Settlement engagement number is XXXX. Equifax has done nothing to fix these issues. Please help me delete these illegal accounts, addresses, and names from my credit reports. There should only be one spelling of my name and no other variation. 
( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) Please delete the information below effective immediately. 

XXXX XXXX Account name : XXXX Account # XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
A wire transfer in amount of {$3900.00} was sent from a TD Bank branch located at XXXX XXXX XXXX, XXXX, CT, today on XX/XX/year>. The rep whom attempted to handle transfer, XXXX, was not trained on how to do wires, had to have a second rep assist her, initial transfer was canceled, did not go through, second attempt made which appears is currently pending, entire process took a good 30 mins while my driver was waiting, reps would not waive domestic wire fee in amount of {$30.00}. Prior to visit. I called the branch, spoke with XXXX, was advised an appointment is not needed but to arrive after XXXX which I did, still received poor service including lengthy 30 minute process time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was charged over {$2000.00} dollars a month for flood insurance. When I called to their attention, it only cost {$900.00} a month, they charged the amount charged.. How do I find out how many months I was over charged???

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

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 2024-01-24 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:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is in violation due to the fact here are inaccurate information that is illegal under FCRA rule and regulation. This account payment history is not 100 % accurate and need some attention immediately under 15 usc 1681i ( e ) and 15 usc 16802b and 15 usc 1692c ( b ) ( g ). NOT VALID/ NOT COMPLETNESS/ NOT ACCURATE. 

XXXX XXXX XXXX XXXX Account type FHA Mortgage Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 

Status updated XXXX XXXX Balance - Balance updated - Recent payment {$120000.00} as of XX/XX/XXXXXXXX  Monthly payment - Original balance - Highest balance - Terms 30 Years UPDATE THIS NEGATIVVE ACCOUNT IMMEDIATELY. PAYMENT HISTORY DOESNT MAKE SENSE AND IT IS 100 % not accurate. 
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 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 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-24 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 opened a credit card with XXXX XXXX XXXX in XXXX of XXXX. 
This company since the beginning has neglected to report accurate information to the credit bureaus since the very beginning, often times inflating my balance and not reporting accurate available credit lines. 
Today, I spent almost three hours on the phone with TransUnion because XXXX XXXX XXXX  is claiming that as of XX/XX/XXXXXXXX I had a balance of {$880.00} with a payment of {$45.00} per month. 
This information is inaccurate as shown on my banks statement which I have included as evidence in this report. 
This company has not reported accurate information to XXXX or XXXX either.

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