vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2023 I mailed a certified letter to Equifax disputing 3 bankruptcies clearly explaining inaccurate information to all 3 accounts. I asked them delete those accounts immediately. They replied they investigated, which is not true since all of there information is completely different than other credit agencies. So On XX/XX/XXXX I followed up with certified dispute and again the continue to ignore my demands. 

I followed up with the bankruptcy Clerk of Courts asking if they report to credit agencies. I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2023 I was issued a Social Security Number by SSA. 
Previously I was using ITIN issued by IRS to apply for credit. 

According to IRS " Once you receive a SSN, you must use that number for tax purposes and discontinue using your ITIN ''. 

On XX/XX/2023 I sent letters notifying that I was issued SSN and that it should be used from now on instead of ITIN. I attached copies of my new SSN card, previous notice of ITIN assignment and my current driver 's license. The letters were sent to the three major credit bureaus and IRS. I've also updated the SSN with all my banks and lenders. 

As of XX/XX/2023 XXXX and XXXX started using the newly issued SSN for my credit reports. All or most of my lenders should have started submitting my SSN for credit reporting too as of XX/XX/2023. 

But Equifax still refuses to update my SSN with the following explanation that I got by mail on XX/XX/2023 : " THE WORKER ID DOCUMENT ( S ) PROVIDED CAN NOT BE USED TO UPDATE YOUR SOCIAL SECURITY NUMBER. THE WORKER ID NUMBER IS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION FOR WORK PURPOSES ONLY. THIS NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY ADMINISTRATION AS A SOCIAL SECURITY NUMBER. THE WORKER ID NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY XXXX AS A SOCIAL SECURITY NUMBER AND CAN NOT BE ADDED TO YOUR EQUIFAX CREDIT FILE. '' Dispute confirmation number : XXXX. 

Over the phone on XX/XX/XXXX and XX/XX/2023 Equifax representatives reiterated that my Social Security card is not a proper SSN, but some sort of " worker ID '' issued for " work purposes only ''. They say it can't be used for credit reporting, because it says " Valid for work only '' ( as in " this social security number is valid for work only '' ). But the full text of a note on my Social Security Card says " Valid for work only with DHS authorization '', which means the opposite of what Equifax claims ( i.e. " this IS a social security number, but it is NOT valid for work, unless there's a separate work authorization from DHS '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
A late payment was reported by my mortgage company as in error back in XX/XX/2022 call multiple times to the creditor to update no results

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I keep getting these updates from collection agencies that I do not owe at all this is under the law 15 usc 1681 XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX All these are reporting opened accounts but they are closed and its tarnishing my character and Im trying to purchase a home and cant do so because they are reporting false information about me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX, a detailed complaint letter faxed to Bank of America disputing with timelines of a fraudulent charge by an international vendor to a credit card in my name that was closed ~ XXXX or XXXX and no activity in the account since this period. The fraudulent transaction was initially discovered and reported to BoA on XX/XX/XXXX. Since this time, BoA has not responded satisfactorily and their method of addressing the complaint is opening a new credit card account without my consent and transferring the the balance of the fraudulent to the newly opened account. BoA 's credit card department subsequently harass me by placing frequent telephone call to collect on the debt. I have spent many hours contacting BoA with the intention of resolving their errors and lack of basic controls to mitigate risk from vendors submitting fraudulent transactions. The last conversation occurred at XXXXXXXX XXXX. on XX/XX/XXXX with XXXX of BoA to address another credit card account opened and transfer of the fraudulent balance transfer. After spending over an hour discussing the background with XXXX, he confirmed BoA never filed a fraudulent claim since my initially reporting it to them on XX/XX/XXXX and that this will be the next action taken by BoA. Needless to say this came as a surprise and demonstrates BoA 's lack of basic controls in managing consumer complaints and mitigating risk from fraudulent transactions submitted to them. I'm familiar with CFPB 's recent record $ XXXX fine assessed on BoA for lack of similar controls in opening fraudulent accounts on behalf of their customers without the customer 's consent. I have similar experiences with fraudulent transactions and accounts opened by BoA which again I have brought to BoA 's attention since XX/XX/XXXX. This is the basis for this request to CFPB for assistance achieving satisfactory closure to this long standing complaint and assurance BoA 's failure to address the complaint timely does not adversely affect by credit rating in the industry.

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 2023-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth-Third bank owns Dividend Finance. Dividend Finance is using fraudulent forged documents to pursue money from me and my wife. They illegally drafted money from my checking account. I never authorized anything with them. In XXXX of XXXX  my XXXX veteran wife and I applied for a solar loan with a representative in our home, on our WiFi. We never used his laptop. Neither my wife, XXXX XXXX, or myself ever saw any loan information or agreed to any loan terms. It was strictly to apply. We had no reason to believe this person was lying to us and trying to defraud us. My wife did not sign the loan XXXX, I did not sign the loan XXXX. The only person filling out the loan information was the sales representative. My wife made Dividend aware as soon as she found out fraud had occurred. It was never investigated, Dividend used the forged documents to state the loan was valid and an excuse of " answered questions ''. I was there, he did ask us questions and we both answered we thought it was part of the loan verification since both of our credits were supposed to be frozen. It turns out that my wife 's XXXX file only was not frozen due to XXXX error which she is dealing with. That is why it does not appear on all three credit bureaus or on my credit report because the sales representative took both of our information and we honestly did not even know until later about it not having both of our names. We were defrauded. Dividend Finance was informed and has not completed a fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: CA

Complaint narrative:
On XX/XX/2023, I called MOHELA and submitted a payment in an amount equal to all accrued interest on my loans. I requested that the payment be applied to pay off all accrued interest, and I was told it would be. However, when the payment posted to my account, the payment was applied only to one loan, so the vast majority went to pay off the principal of that loan. 

I called again on XX/XX/2023, requesting that the payment be applied as I initially requested. I was told that it would be. It was not. 

On XX/XX/2023, I submitted a written request through the MOHELA app, requesting that my payment instructions be applied. MOHELA promises to respond to your written request within one to two business days, so I thought this would be a faster way of having my request processed. 

I called again on XX/XX/2023, after no change had been made, requesting that the payment be applied per my instructions. On this call, I was told that the prior agent made an error and did not apply the payment to all six loan sequences. I was told that a new request had been submitted to apply the payment to the interest on all six loan sequences, that the request had been expedited, and I could expect the change to be posted within 5-7 days. 

On XX/XX/2023, I received a response to my XX/XX/2023 written request, stating in full : " Our records indicate that you have already called and spoken to one of our Student Loan Counselors regarding this inquiry on XX/XX/2023. We will assume the inquiry has been handled. '' The inquiry had not been handled, and MOHELA does not offer a method to reply directly to their response. 

On XX/XX/2023, one week my XX/XX/XXXX call, the change has still not been made. I called yet again, and was told by yet another agent that the request was inexplicably marked in their systems as " completed, '' but had not been applied. I was told that another " new request '' would have to be submitted and that it would be applied in 2-3 business days. I asked that the request be applied now. I asked to speak with a supervisor, and after being transferred was placed on a 52 minute hold. 

I am submitting this request because after this much back-and-forth, I can only conclude that MOHELA is deliberately ignoring my payment instructions in an attempt to increase my loan principal by having the remaining interest capitalize when interest resumes on XX/XX/2023. This is a predatory lending practice and completely unfair to 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 2023-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I used the Bread Financial Comenity Bank Victoria Secret Store Card for one purchase of {$21.00} ( rarely use the card ), never received a statement after the charge, received a statement about 2 months after showing late. Immediately paid the bill and asked for them to remove the late fee. I told them that I did not receive the statement indicating what I owed and when, customer service reps were unprofessional and rude. They would not remove the fee. The balance on the card was paid in full, I closed this account. 
They are charging me late fees on a late fee balance and interest on a late fee balance. These charges are unresonabale and I want them removed. I have closed this card and all of my cards with this bank because the reps are rude and I never want to deal with this bank again. I want this to be resolved, this is not fair and they are taking advantage of me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, a creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666 B states, a creditor may not treat a payment on a credit account under an open-end credit plan, late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Around XX/XX/XXXX, I received one letter in the mail from XXXX XXXX XXXX stating that my annual HELOC fee was coming due in the next month or so. The amount was {$50.00}. My account was set up for autopay, so I assumed it would be paid as normal. 

On XX/XX/XXXX, I was notified by a credit report tracking app that I subscribe to that there's been a change to my credit report. I logged in to see what happened, and my score dropped from XXXX to XXXX! I had no idea why, as I am always current on payments, pay my credit cards in full, and have no other debt outside of my mortgage. 

I saw that XXXX XXXX XXXX reported me as a delinquent account because I did not pay the {$50.00} fee. I never received any communication whatsoever about a missed paymentno emails, no letters, no phone calls warning me I was past due. I called XXXX XXXX XXXX immediately and asked what happened to my autopay, and they could not give me an answer. Of course, I immediately paid the {$50.00} fee and asked for them to contact the credit agencies saying there had been a mistake, but they did an " internal investigation '' and concluded they did nothing wrong. I asked for proof of past due bills, phone calls, etc. as they said I should have received some of these warning me I was past due, but they have provided me no such thing. I believe they completely dropped the ball and did not do their due diligence in letting me know I had a past due bill. 

I paid my HELOC off in record time in XXXX, and carry no balance with this company. I have worked incredibly hard for my credit score, and their reporting to the agencies without any warning to me is unacceptable. My score dropped nearly XXXX points because of this and they refuse to take any responsibility. 

I would like XXXX XXXX XXXX 's initial reporting removed from my credit report, and their billing department investigated so that this doesn't happen to anyone else.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter t Experian about a current collection I have on my report about it being a result of identity theft. The amount is from XXXX XXXX a debt collection agency who is reporting I owe a balance to XXXX ( original Creditor ). XXXX XXXX XXXX has an email address tied to the account that is not associated with me at all. I believe this account results from mistaken identity within their system. XXXX the original creditor sent me a letter saying I DO NOT owe a balance, i in fact owe a {$0.00} balance. I filed an Identity theft report with the FTC, Experian refused to back the account and verified the account as accurate although I sent them the letter I received from the original creditor. I would like this account blocked. I believe Experian has violated my consumer rights by not completing a thorough investigation of this account. or reaching out to the original creditor for further knowledge of this account. Experian has also blocked my calls from reaching a human representative, the AI just keeps telling me I can not peak to a human no matter the option I choose, so I can ask for an update or even further clarification. I send emails a no one responds. as of today I can not dispute the account online or within the mobile app because it doesn't show this account as an option but it remains 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 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: IN

Complaint narrative:
XX/XX/XXXX I was contacted by someone claiming to be a debt collector from Pro Collect. They informed me that I had a past due bill for an apartment complex in XXXX, OH ( XXXX XXXX XXXX XXXX ) in the amount of {$120.00} that was accrued in XXXX. I assured them that they had the wrong person and that I have been living in Indiana since XXXX. The person at Pro Collect asked me to provide my social security number which I declined to do. They then got angry with me and hung up the phone after I told them I did not think it was a good idea to give my social security number to anyone over the phone. I called back to speak with the person again, I wanted to help them get on the correct path to finding the correct person who owed the {$120.00}, but they again got angry and hung up on me. I asked them to provide me documentation on why they determined that I was the debtor, but they have ignored my request. I am a XXXX XXXX XXXX father of 2 who has been living in XXXX  since XXXX and been a home owner in XXXX since XXXX. This information is easy to verify and it would not make sense that a XXXX XXXX XXXX would be living in a college apartment complex. I willing to provide mortgage information, bills, or anything that will clear me of this debt.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, 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:
Publishing collection account information on my report that's a part of identity theft. Transunion, and 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