vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Attached documents prove that TransUnion incorrectly reports an XXXX XXXX XXXX  account as late for the month of XXXX, when payments were made early/on time. XXXX XXXX violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from XXXX XXXX, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the XXXX XXXX XXXX  generated technical errors, initiating a series of events - all caused by XXXX XXXX - that were immediately rectified by the consumer ( myself ). Attached documents prove that payments were made to the account on time/early every month, with the month of XXXX being no exception, but the account was reported as " past due '' to credit bureaus due to their technical errors. Though there were no late payments in this case, Attached documents prove that XXXX XXXX violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Attached documents prove that XXXX XXXX and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by XXXX stating that my bank ( XXXX XXXX  ) or myself initiated returns for past month 's payments is WRONG. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by XXXX XXXX associates that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing XXXX XXXX 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the XXXX XXXX Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the apple card statement ) show that these transactions were never present for myself or XXXX XXXX  to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from XXXX XXXX was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the XXXX XXXX app. Supervisors could not/would not confirm that these documents were even posted to the case or my 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 non-monetary relief
Consumer complaint received 2023-08-07 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: NY

Complaint narrative:
Equifax is reporting inaccurate information or changing my account mid way. My accou t with XXXX ( XXXX ) on XX/XX/XXXX reported to all buearus the new amount balance of {$2000.00}. 

All three buearus have it correct except Equifax because on XX/XX/XXXX they report the old amount due from XX/XX/XXXX report of {$4900.00}. I called the lender three times, on XXXX, XXXX and XXXX and they confirmed they do not report more than once and do not know why they changed for XXXX, XXXX balance for XXXX. I called Equifax and as usual they are clueless and said the lender reported it but if i spoke to them it has to be there enturnal problem and system. 
This is a violation of the XXXX, where information on my report should be accurate about the consumer. This is hurting my credit score as well as reporting false information about myself. please update this immediately. 
Thank you in advance for your help and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
My history of my loans are incorrect : I have been trying to rectify this situation with Mohela and the Dept of Education for over a year. My student loans have been handled by multiple companies since XXXX. I am currently a XXXX  and I am trying to get an accurate history of all my payments I have made on my loans since I began repayment back in XXXX. 

When my loans were handled by XXXX XXXX XXXX XXXX XXXX, the payments I had during that time were never stored in the history of the loans, as the company went bankrupt. Now when you look at the payment history of my loans, from XX/XX/XXXX to XX/XX/XXXX, there is no history of payments being made. 

When I reached out to Mohela ( and the Dept of Education ) to fix this information neither could give an answer why the payments were missing. I have also submitted documentation in the form of my bank statements during this time to show payments that were made. And this supporting documentation was also ignored. 

Attached to this complaint are those bank statements with the history of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has been falsely reporting information on my credit report that has impacted my score and credit report. 
The following collection accounts listed below have been furnished on my credit report a totalling a balance owed collectively {$1400.00} The companies are : XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$280.00} XXXX {$520.00} At no time was written consent provided to Experian or the debt collectors to furnish the information on my credit report. Without my WRITTEN CONSENT the accounts are considered frauduent under the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY

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 2023-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: TX

Complaint narrative:
XXXX of this year I made an agreement with Alltran financial regarding one of my accounts. I made a one time lump sum payment to close the account and I have been continuing to make monthly payments on the other account. I just received a collection letter from XXXX XXXX solutions trying to collect on the account that I settled with Alltran in XXXX of this year. Not only did they lie to me on this account being closed but they sold it to another collection company.

I'm a little confused. If a person honestly tries to make right debts they owe, is their no responsibility on the collectors side to be honest?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
There were 3 charges on my CapitalOne/Walmart Mastercard that I did not make nor did I authorize anyone to make.The dates of said charges XXXX, XX/XX/XXXX and XX/XX/XXXX, the amounts were exactly the same on each charge, that being {$300.00}, for a total of {$910.00}. I notified XXXX XXXX, within 24hrs, via phone, once i observed these charges. Each time I was advised that they would investigate and advise and it could take up to 90 days to complete the investigation. I was given a reference number of XXXX which refers to the store the charges were made at, which turnes out to be Walmart in XXXX, Oregon. Also, one of the customer service people told me it also refers to what was purchased, which he said were tennis rackets from XXXX XXXX, Qatari phone # XXXX. Eventually, I filed a police report with XXXX XXXX XXXX XXXX, Deputy XXXX XXXX XXXX XXXX. He advised that due to this being international ( XXXX  ) they were unable to investigate and suggested I contact CFPB, this occurred on XX/XX/XXXX. 
On XX/XX/XXXX, at XXXX, I again contacted CapitalOne fraud department asking what the outcome of the investigation was. I spoke with XXXX who transferred me to XXXX at XXXX. She stated she would open a new case, I was to destroy my current M/C and a new one would be sent and a credit would be issued for the {$910.00}. Case # XXXX was assigned by XXXX. Within an hour I received 3 emails from CapitalOne, ( all three are attached to this complaint, in addition a second page of each email included the XXXX unauthorized charges and merchant name ) On XX/XX/XXXX at XXXX I once again contacted CapitalOne asking why the fraudulent charges had not yet been credited to my account and spoke with XXXX XXXX who would transfer me to XXXX XXXX XXXX, she then transferred me to XXXX XXXX XXXX XXXX who transferred me to XXXX. I was advised by XXXX that the charges were valid and no credit would be issued! I asked why, then, had I also received an email stating the charges were fraudulent and I would be issued the credit. She couldnt answer that question and put me on hold. I waited 45 minutes on the phone then disconnected. 
Please help me as Im XXXX yrs old and live on a fixed income, this event has me devastated and fearful I will be cheated out of {$900.00} I dont have. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
This are the Inquires i found on my credit score after receiving my score, i did not consent this Inquires. 


NAVY FCU XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX NAVY FCU Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX NAVY FEDERAL CR UNION Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX NAVY FCU Credit Unions XX/XX/XXXX XXXX NAVY FCU 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 2023-08-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone put an inquiry for XXXX XXXX in my credit report Experian on XX/XX/23 without my knowledge

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 2023-08-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX ACCT # XXXX has violated my rig

hts. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This is not my CAPITAL ONE debt. I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have a balance of approximately {$3000.00}. I have consistently made payments that are not reflected in the account balance. In other words, I have made regular monthly payments however, the account balance never goes down. I have contacted Macy 's customer services and frequently get a representative who barely understands English and have difficulty understanding me or me understanding them. This has been extremely frustrating and disappointing. 
There are also items that I have reported to Macy 's as fraudulent but, they have not been removed. I closed this account over a year ago and have consistently made payments and the account balance barely moves and I have paid several thousands of dollars. The reason that I have continued to make payments is out of fear of receiving a bad credit rating.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2023 I contacted Bank of America to report fraudulent transactions that were charged to our account and I waited over XXXX hours on hold and nobody answered the phone- I was on hold for an indefinitely. The next day I sent an email to XXXX XXXX, Vice President of Bank of America Small Business, and he did not respond to my email. I sent two more subsequent emails on Monday, XX/XX/XXXX ( three total ) to XXXX XXXX explaining that we have fraudulent charges on our account and that our card is compromised, with new fraudulent charges hitting our account almost daily, but nobody from Bank of America was responding so we could not close our account to stop these charges from occurring. He ignored all three emails submitted. I then called him XXXX times on his office number and he did not respond to those calls either. I called the main XXXX Department phone number again on Monday XX/XX/XXXX to try and report this same issue, but nobody picked up after XXXX minutes on hold ( having been on hold already for XXXX hours on XX/XX/XXXX ). 

Bank of America 's non responsiveness is directly affecting our account and they are perpetuating the fraud which is plaguing our account by failing to take action - or even respond to - our fraud complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 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: TN

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 XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am reaching out to discuss a matter of significant concern that has impacted my ability to meet my financial obligations. As you are well aware, the world has faced an unprecedented challenge with the COVID-19 pandemic. Like many others, my family and I have been directly affected by the health, economic, and social consequences brought on by this crisis.

Due to the COVID-19 pandemic, my household has experienced job loss, reduction in income, and increased medical expenses, which have resulted in financial strain. Despite my best efforts to maintain a steady payment history, I regret to inform you that I fell behind on my mortgage payments for the past few months. The circumstances were beyond my control, and I sincerely apologize for any inconvenience this has caused to your institution. 

My request is to consider making a one-time goodwill adjustment to my account. 
XXXX Account number : XXXX This could include waiving any associated late fees, reevaluating my payment schedule, or offering a temporary reduction in interest rates. I assure you that I will make every effort to honor any modified agreement promptly.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I make arrangements with XXXX XXXX XXXX XXXX pay $ {$650.00} for 3 months adding to the amount of {$1900.00} of the total Balance of {$3900.00} I had with XXXX Bank I make the first payment on XX/XX/XXXX. Went I called on XXXX to make the second payment they informed me the account was closed and needed to call XXXX. When I called XXXX they told me the same and for that reason they couldn't take my payment. 
After several months they sold my account again and reported me to the credit report and did not honored the arrangement I made legally in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-07 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: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief