vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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:
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. XXXX, a XXXX XXXX XXXX servicer, has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 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 2024-09-18 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: GA

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a CITI bank member utilizing their credit cards since XXXX and have paid my credit card payments there on-time ever since. I also have never missed a payment from any other credit company/loan payment in my entire life of utilizing credit. 

I was not aware of a balance that was on one of my CITI bank credit cards ( {$2200.00} ). I had made my payments on-time every month thus far, and in XX/XX/XXXX was when my payment went past-due. Please keep in mind I was set-up for paperless billing and also alerts regarding my accounts, but I never received any notifications and calls regarding the past-due balance. I did not know any of this was happening up until this week ( XX/XX/XXXX ) when I received a text notifying me that CITI bank was calling me in regards to my account. I immediately made the payment upon notification and called CITI bank customer service to discuss the issue. 

Upon answering from a customer service representative, I notified them of the issue. They had simply told me I had been enrolled in notifications since XXXX and that I should have been receiving emails this whole time. I verified my e-mail address with them, and they told me that it was on my account. I had let them know I do not have any record of receiving statements ( I checked my Junk + Spam folders as well ) and they simply told me they do not know what to tell me and it is my fault that I am not receiving the correspondence. I had responded that I have never missed a payment my whole entire life utilizing credit and that should I had been notified, I would have immediately made the minimum payment. They told me every day CITI bank was calling me since XX/XX/XXXX to let me know, however, I never received any phone calls ( I can pull my phone records to prove, if necessary ). I am frustrated and upset that they are wanting to report a late payment for something a ). I was not aware of and b ). I was never notified of up until it was almost 2 months late.

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 2024-09-18 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: AZ

Complaint narrative:
I am seeking your help to address the incorrect account that is affecting my credit report. I bring this up because it has caused harm to my reputation, and your assistance is needed. The errors in my credit report management have led to my reputation being destroyed. It is imperative that you remove these false entries from my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a phone call on XXXX XXXX by Wells Fargo phone number, it was their phone number so I picked up. I was told that a person in XXXX was trying to pull money from my XXXX account. He told me in order to protect my money I would have to transfer to a phone number which he provided and told me it was the manager and he would void it out. As I thought it was the bank and he walked me through the steps I thought it was legit. He told me to wait 24 hours for the system to reboot and I would have my money back. My account was at XXXX! Right after I hung up, I called Wells Fargo and told them what had happened. They opened up three cases and supposedly investigated. A week later they denied my claims because I had, according to them, authorized it. I sent an appeal letter to them as I felt they should have protected me better as evidently this scam is not new to them. I would like for my account to be reimbursed. Regulation E states that if a person is induced then money should be reimbursed to customer. 
I do have the case numbers and also phone call coming in from Wells Fargo at XXXX XXXX  XXXX  which were the scammers and my two phone calls going out to Wells Fargo. 
Case # XXXX, Case # XXXX, Case # 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: NC

Complaint narrative:
I am currently on the PAYE plan and submitted a recalculation application based on a large decrease in income on XX/XX/year>. Mohela will not process this application stating it is due to the injunction and lawsuits on the SAVE plan. However, according to the department of education, my application should still be processed because it was submitted prior to XX/XX/year>. Mohela is basically overcharging me and not honoring the application for recertification and recalculation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
It was a huge shock to see discrepancies on my credit report out of nowhere today. Im used to checking it, and everything has always been fine until now. I refreshed my browser hoping it was a glitch, but the inaccurate accounts were still there. I need assurance that the documents Ive provided will be checked thoroughly, so I can finally put this behind me and stop stressing over it.

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 2024-09-18 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: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I have sent complaints to the company directly as well as to all 3 credit reporting agencies. This false incorrect information continues to be reported on my credit reports XXXX, XXXX, and XXXX. These accounts do not belong to me but yet they continue to report these accounts Sofi account # XXXX Sofi account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Data Mortgage Inc.
State: IL

Complaint narrative:
Recently my taxes increase about XXXX and this is increasing my payment a XXXX dollars. I have filed a appeal with XXXX County for the taxes and they have over excess the property. Essex Mortgage is refusing to honor my request to extend the shortage 60 months max which is allowed by FHA. This will give me more time for the county to process my appeal and lower my taxes and will also help with the payment increase. They are constantly brushing me off with my requests or ignoring me. The has been a XXXX  with this new servicer and they are not promoting homeownership. In this day and time they should understand that a XXXX dollar increase to your payment is not easy to come by. They should also follow FHA guidelines that says I can extend the shortage by 60 months. Please help me get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
The Branch Manager XXXX XXXX XXXX, has been combative, difficult, and enjoys the going back and forth. She has been nothing short of unprofessional and lacks customer service skills. As on more than one occasion, she has discussed the opening of a trust account and its matters within the main customer service area of the branch. She has remained in my space after being asked to back up, and ignored the request for me to speak with someone else other than her. Further, as a person who deals with XXXX ( XXXX XXXX XXXX XXXX  ), as a veteran who honorably served the country, having to experience this while in a Bank, caused emotional distress in that moment and every interaction with her prior too. She further taunted me by informing another Banker, who was willing to help me, to not help me ; as I requested to speak with or get contact information regarding speaking with her boss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TX

Complaint narrative:
I took out loan in 2001 with XXXX XXXX. Since then sold to XXXX. I have paid my loan in full to XXXX but my credit report reflects I owe to dept. of education. I do not know anything about this charge and want it resolved.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

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

Company 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-18 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I saw they made hard inquiries on my credit report 2 time, when just I authorized one time

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: OK

Complaint narrative:
Requested a copy of my free annual credit report was shocked to see what was on it its causing me great stress that I cant buy a home for me and my family because of incorrect information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: OK

Complaint narrative:
Requested a copy of my free annual credit report was shocked to see what was on it its causing me great XXXX  that I cant buy a home for me and my family because of incorrect information on 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 2024-09-18 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:
My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to dispute inaccuracies in my transunion credit report. Please update my records to reflect my current and accurate information. 

Current Address : XXXX XXXX XXXX  XXXX, MA XXXX Incorrect Addresses to be Deleted : XXXX XXXX XXXX  XXXX XXXX, AL XXXX and XXXX XXXX XXXX, MA XXXX Additionally, I would like to request the removal of the following previous employers from my report : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/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 2024-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company
State: WY

Complaint narrative:
I assumed this loan after a divorce. NO ONE disclosed that I would no longer have access to my online account. There was an issue with the escrow and my escrow account was in a negative balance at the time of closing. I have been waiting on a refund check from a home owners insurance policy and I can't access any of my information. I received emails to sign up for paperless statements although I was informed by three different freedom mortgage representatives that anyone who assumes a loan will no longer have online access to their accounts. Freedom Mortgage is the WORST company I have ever worked with and I have purchased and sold several homes. I would not recommend this company to ANYONE.

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