vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 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: FL

Complaint narrative:
In XXXX of 2019 I applied for a forbearance on my Student Loans through XXXX XXXXXXXX who was the servicer at the time. XXXX assured me I did not have to worry about payments or anything else while it processed. Everything was fine until I realized that I have 90-120 day late payments reported to my credit although I have a letter from XXXX XXXX clearly stating that I was in forbearance during the time that I was supposedly late. 

During this time I had 17 student loan accounts which meant I had 17 90 day late payments which absolutely devastated my credit. 

I did dispute this through XXXX, Equifax and XXXX all of which said that XXXX came back and verified that the late payments were accurate which is incorrect. The multiple times I spoke to fed loan over the phone I was told this is something that needed to be dealt with through mail. I mailed them on numerous occasions and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: FL

Complaint narrative:
In XXXX of 2019 I applied for a forbearance on my Student Loans through XXXX XXXXXXXX who was the servicer at the time. XXXX assured me I did not have to worry about payments or anything else while it processed. Everything was fine until I realized that I have 90-120 day late payments reported to my credit although I have a letter from XXXX XXXX clearly stating that I was in forbearance during the time that I was supposedly late. 

During this time I had 17 student loan accounts which meant I had 17 90 day late payments which absolutely devastated my credit. 

I did dispute this through Experian, XXXX and XXXX all of which said that XXXX came back and verified that the late payments were accurate which is incorrect. The multiple times I spoke to XXXX XXXX over the phone I was told this is something that needed to be dealt with through mail. I mailed them on numerous occasions and never received a response.

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 2023-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Report of Unauthorized Accounts and Inquiries XXXX XXXX XX/XX/2023 To Whom It May Concern, I am writing to report several unauthorized financial activities and accounts that I recently discovered on my credit report. Upon reviewing my credit history with my XXXX XXXX credit counselor on XX/XX/XXXX, I was alarmed to find several accounts and inquiries that I did not authorize or recognize. The details of these discrepancies are as follows : Unauthorized Accounts : 1. Navy Federal Credit Union ( NAVY FCU ) - Multiple revolving accounts and an overdraft account. 

2. XXXX XXXX ( XXXX XXXX ) - An open account linked to the original creditor " XXXX XXXX. '' 3. XXXX XXXX - An open account linked to the original creditor " XXXX XXXX XXXX XXXX '' 4. XXXX XXXX XXXX ( XXXX XXXX ) - An open account associated with " XXXX XXXX XXXX XXXX XXXXXXXX XXXX. '' 5. XXXX XXXX - An open account linked to the original creditor " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' Unauthorized Inquiries : 1. XXXX XXXX 2. NAVY FCU It has come to my attention that there's a particular account associated with a XXXX in Texas and a subsequent eviction. I would like to categorically state that neither my wife nor I have ever resided in Texas, let alone a XXXX. We currently own XXXX properties in Georgia, XXXX in XXXX and another in XXXX. The information suggesting that someone was living in a Texas XXXX and faced eviction is entirely foreign to us. 

I have never given consent, verbally or in writing, to anyone to open these accounts or make these inquiries on my behalf. I was completely unaware of these unauthorized activities until XX/XX/XXXX at XXXX pm when I spoke with my credit counselor. 

The integrity of my credit report is of the utmost importance, especially since I am in the process of seeking to purchase a new home. Any discrepancies or inaccuracies could have significant implications for my financial well-being and plans. 

I am gravely concerned that I may be a victim of identity theft or fraudulent activities. I kindly request that a thorough investigation be initiated into these unauthorized activities. I am more than willing to cooperate in any way to ensure that this matter is resolved and that the perpetrators are brought to justice. 

I truly appreciate your attention to this pressing matter and thank you in advance for your support and assistance. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: NE

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: MD

Complaint narrative:
Despite my persistent efforts, this agency has failed to properly investigate and correct this error. The inaccurate information has had a significant adverse impact on my creditworthiness, leading to negative consequences, such as being denied credit, facing higher interest rates, and unable to secure housing due to this negligence. This matter has been brought to this company 's attention over the past several months. I have sent in over XXXX different letters starting from XX/XX/XXXX up until the present day making this company aware of this inaccurate reporting. I read somewhere that I am entitled to a fair and accurate credit report. Now, I am no lawyer but I have done a little research, and it appears that based on the Fair and Accurate Transactions Act that violations are done when organizations fail to comply with its requirements. In fact, based on what I read, section XXXX explains that violations tend to occur after a consumer bring the inaccuracy to the agency, such as XXXX, Equifax, and XXXX attention but they fail to correct the inaccuracies after receiving a dispute from the actual consumer. Well, this matter has been brought to XXXX attention on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently XX/XX/XXXX Now, once again, I am definitely no lawyer, but I do have common sense. I have sent this agency letter after letter making them aware of this inaccurate reporting. None of the bureaus have the same information. So, how can information be accurate if the same account that is being reported is being reported with different information. Once bureau is reporting an open account while the other is reporting a close account. One bureau is reporting a 120 days late while the other bureau is reporting a collection/charge off for the same account. Does this sound like accurate reporting to you? I am requesting that the following accounts are deleted immediately due to inaccurate reporting and due to the violations that the credit bureaus has participated in by neglecting to correct the information. 

XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/2023 I used my venmo card when I checked in at pechanga hotel for the {$100.00} deposit for incidental. That {$100.00}, can also be use towards in room charges. I checked out on the XXXX, and per pechanga hotel, they released the hold on the same day and sent venmo the final bill which is only for {$32.00}. Where that should have been processed and posted by venmo on the XXXX and release the rest of my funds as well. However that's not the case. Up to now they still haven't processed the {$32.00}, in which one of their customer service verified that they're already showing it ad being received on their end, but she doesn't know why it hasn't been processed and my funds are still on hold. So she transferred me to another debt. The lady I spoke with told me that it can take up to 12 days for them to process that and the funds won't be released until its processed. I asked her, even they already received the final bill? It takes that long? That's a no brainer. I Told her that it is a scam, that we all know that it would only take one business day to process the transaction. Or at least that's the usual banking standard time frame. And I won't take that long. I mean, yes, I get it that it can take. Thirty days for them to hold on the funds if there's no final bill from the company that sent the authorization. However, my case is different since the company have sent them the actual bill of the final bill. And yet they're still holding on my funds. This is not fair for the consumers. Are they paying us interest for the time being they have our money? No. I think these company such as venmo should have a reasonable time framed aligned with most financial institutions in this country so that they won't abuse their customers and their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I went to the XXXX XXXX dealership on XX/XX/23 to buy out my lease car and the buy out price they told me was different from what I agreed on the day of lease start date, which is XX/XX/23. I have a screenshot of the printout. 

I was told by the sales person that I get a lease credit of {$7500.00} if I lease the car before I buy out instead of buying at front because of the income cap. 

So I did as I was told. Then, I told them I want to buy out next day so that I didn't have to pay the extra rent charge. 

They said that I can't buy for next 2 to 3 weeks. 

After 2 to 3 week, I went to the dealer to pay the buy out amount. Then, they said that I have to pay more now because of the rent charge. It is very fair that they don't let you pay and charge you more. 

The dealer should not advertise lease credit of {$7500.00}, make consumers pay later to charge more rent charges and fees without a notice. It's a fraud and false advertisement. 

I also have screenshots of the texts I sent to the sale people to let them know that I want to buy out ASAP. 

Now, the Mercedes-Benz finacial service is asking me to pay more than what I agreed on the lease start date and billing me the rent charge that I was not told when I signed the lease. The dealer said I have to pay more rent charges even if I tried to pay earlier to prevent this charge. 

I told the dealer and financial service that I would like to start the dispute process for the discrepancy amount and asking them to release the title, but no response from them. I have already paid the amount I agreed on the date of lease, which {$75000.00}. 

I believe that using the tax credits to advertise cheaper car prices, then making more profits by making consumers pay later and charges more rent charges without a notice seem like treating the consumers unfairly. I feel that what they are doing right now is deceiving the consumers and abusing the tax credits and the system to make more profits for themselves. 

I would like to request the Bureau to investigate this issue, initiate an administrative adjudication proceeding by filing a Notice of Charges alleging a violation of a consumer protection statute, or filing an action in federal district court. 

I hope they stop this practice, and other consumers don't get into the same situation like mine. 

I hope to hear from the dealer and the financial service soon to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: MOHELA
State: AZ

Complaint narrative:
Hello, I made a payment of {$300.00} towards my account on XX/XX/2023. Mohela gave me the confirmation # XXXX. The money was taken out of my bank account on XX/XX/2023. Usually, it takes 2-3 days for the payment to process but it has been over 2 weeks and now I am being charged interest due to lack of payment. I have tried to contact Mohela via phone and email with this information and have not gotten a response back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
This account has been closed for XXXX  years, and I believe it no longer accurately reflects my credit history. 
I understand that closed accounts can remain on my credit report for up to 7 years, but I request that you remove this account from my credit report due to the fact that it is no longer an accurate reflection of my creditworthiness. 
A closed account should not be reporting a balance of {$730.00}

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 2023-09-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I only became aware of misapplication of payments in the last two weeks as we are reviewing my credit. 

From XX/XX/XXXX to XX/XX/XXXX SLS applied 18 payments inaccurately to principal instead of the currently due amount. However they claim XXXX XXXX  only allows them to review a payment in the a 90 day window despite they kept this information from me. They sent a ledger that clearly shows there was a due balance yet they applied it to principal to garner late charges intentionally.

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 2023-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This complaint is in regards to a closed XXXX XXXX card owned by Comenity Bank. 

On XX/XX/XXXX and XX/XX/XXXX I received a returned payment fee and finance charge. Both fees were refunded. On XX/XX/XXXX, I received a late fee of {$35.00} and a finance charge of {$2.00}. The fees were supposed to be refunded. Instead, I received a " late fee refund '' of only {$6.00}, and I was left with a balance. 

I paid the remaining balance in full to avoid any further fees. My balance should have been {$0.00}. 

I am asking for the removal of all fees on the account, a refund ( via check to the XXXX XXXX address on this complaint ) of the payment made on XX/XX/XXXX, and verification that the balance is {$0.00} and no further fees will be assessed on this closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19 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: IN

Complaint narrative:
On Monday XX/XX/XXXX, I logged into TRANSUNION in order to check my credit report, and see if any information being reported is not in compliance with the Fair Credit Reporting Act. Upon review of my report, I noticed a charge off that should not be reporting on my report, and which was placed there without my expressed written permission. Under 15 USC 1681b ( a ) ( 2 ), [ ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ], TRANSUNION must get my expressed written instructions before reporting the charge off, which they did not do, and I am demanding they show proof from MY WRITTEN INSTRUCTIONS that I allowed TRANSUION to report this charge off on my report. Secondly, when a charge off occurs a credit is applied to the account that is charged off, due to the fact that the debt is WRITTEN OFF as bad debt, and the company, in this case XXXXXXXX XXXX will receive a credit for the amount of the balance listed, due to the fact that they received a credit to that account from the IRS the account can not be a charged off account as it has been credited. I am demanding the charge off be removed, and updated to a non charge off status. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-19 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: LA

Complaint narrative:
I am a victim of identity theft. I have inaccurate information on my credit report that does not belong to me. I sent my letters and the FTC report to the credit bureau, and they do not want to remove the accounts that do not belong to me XXXX report 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft. I have inaccurate information on my credit report that does not belong to me. I sent my letters and the FTC report to the credit bureau, and they do not want to remove the accounts that do not belong to me XXXX report 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation