vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: IL

Complaint narrative:
i submitted this problem to both companys before and got same response im tired of waiting for them to not do anything and waiting a week or longer they should just delete inquirys right away

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have unauthorized inquiries on my report 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 2022-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Aidvantage and XXXX have reported negative and adverse past due payment histories multiple times on all three of my credit reports. I was told that I was in forbearance, due to being unemployed at the time, and that my account would be in good standing. My credit has been adversely affected by their fraud. I have copies of all three credit reports would really appreciate any help I can get, as I can't buy a house, get a loan, or anything. Thank you in advance for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/22 I bought a {$200.00} Vanilla Visa Gift card at a local XXXX + {$5.00} activation fee. I sent the card to the recipient. She informed me the 16 card number was incomplete. 5 of the 16 digits were wiped off. The package was not tampered with or opened incorrectly. Without the code the card can not be used and the electronic bar code demonstrates that the card is damaged and does not show the {$200.00} is on the card. On or about XX/XX/22 XXXX contact InComm Financial Services Inc at XXXX and spoke to a representative. I provide the information for replacement. The rep sent me the email address XXXX. I sent the required information, name address, copy of receipt, copy of damaged card, and my drivers license. The rep gave me the case number : Case # XXXX. I was told I would get an email reply confirming receipt and a new card. 

I have email the company 3 times and can not get any reply, even telling them I am filing a complaint and still nothing. 

XXXXXXXX XXXX, with license from Visa USA distributed by XXXXnComm Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: CITIBANK, N.A.
State: NM

Complaint narrative:
My wallet was stolen on XX/XX/2022 ( fell out of purse in parking lot, went back 4 minutes later to it gone ). My social security was in the wallet, along with drivers license, debit card, credit card, gift card, and some cash. There was no video footage, unfortunately. However, one bystander mentioned that a XXXX  woman with thinning blonde hair and a black backpack who appeared to be XXXX  was in parking lot around same time wallet was dropped. Spoke to a few other employees in the area and all mentioned same woman who hung out around the area. One employee stated that this particular individual has a XXXX  problem. 

I was checking my credit score report and noticed an inquiry I did not make for a XXXX credit card, XXXX XXXX, and Citi credit. When searching deeper into my XXXX account, I noticed my email was listed incorrectly as XXXX instead of XXXX. I have reached out to XXXX  XXXX and they have refused to remove the inquiry. I have also contacted Citi bank Home Depot Credit Card department without success. 

I have contacted the XXXX Police Department ( XXXX ) and filed a police report online. The tracking number is XXXX. I called XXXX and they said that this number can be linked with case number.

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 2022-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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  Account # XXXX has violated my rights XXXX Account # 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 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 2022-08-12 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: GA

Complaint narrative:
Ive disputed these items several times. I have no knowledge of ever opening these accounts. I have constantly called the creditors concerning this matter and none of MY information matched their file.The creditors illegally used the information that I provided to update their profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have been struggling to make payments on my Navient private student loans, which were taken out between XXXX and XXXX for my XXXX education and thus have the typical high and variable interest rates forced upon students who needed private loans to fill gaps in their educational financing before the recession. 

I am a XXXX  student  who makes $ XXXX on average with my position as a XXXX XXXX. Navient only offers 5 years of forbearance for XXXX  school. However, my XXXX  program takes on average 7 years to complete. My current monthly payments of around {$540.00} are completely unaffordable with my salary, and they will continue to be unaffordable until I XXXX  in XXXX  years. 

I have called and spoken with Navient officials numerous times since my loans went back into repayment to try to figure out how to lower my payments. Since I have " maxed out my forbearances, '' the only option Navient continues to offer me is a 6-month short-term interest-only repayment plan. While these payments were initially affordable at around $ XXXX, they have continuously increased alongside the LIBOR rate and have become unaffordable.

Today, I called with the intention of scraping my bank account to make the {$380.00} interest-only payment I was quoted two days ago on XXXX XXXX, only to find out this payment has increased to {$390.00} with today 's LIBOR rate and is now unaffordable. Despite giving several financial statements to Navient which have clearly shown I can not afford these payments, Navient offers me no other options. 

I have kept my account current with Navient for the past 14 years. Even during 2 years when I was a XXXX XXXX volunteer and making $ XXXX, I saved enough and emptied my savings to make on-time payments. I calculated that I've payed around $ XXXX to Navient over these 14 years, only to see my balance increase from $ XXXX to $ XXXX. Because of these payments, I have no savings, a $ XXXX balance on my credit card, and more public loans as I need to take them out to afford to live while making private loan payments. 

I have shaped my whole life in order to afford my student loan payments while still acquiring my XXXX. I have no car, the cheapest possible studio apartment available in the city in which I live, and yet still I am struggling to survive. I have no idea, if I didn't have this debt, if I might have aspirations to own a home, get married, or a family. I only know that Navient has shown me that those dreams are impossible. What is Navient gaining by scraping every cent that I own? Yet I am the one who contemplates XXXX. I know I am not alone in this struggle with predatory private lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are TWO claims with this institutional that were wrongly charged. 

1. Claim XXXX XXXX. The amount in dispute is {$32.00}. I received a parking validation for this. The amount that should have been charged is {$4.00} not {$36.00}. I provided Bank of America ( BOA ) with the documentation - including a validated parking ticket - information on the prices for validation and documentation of systematic overcharging by this parking facility on multiple occasions. I faxed the documentation at least 3 times with proof of fax confirmation. They kept saying they never received the information. I provided all evidence requested. I was told I would get a call back and I did not. Spoke with Supervisor XXXX XXXX never give full name ) who was disrespectful and unhelpful. Bank of America should have partially reversed this amount and they did not. 


2. Claim XXXX. BOA is allowing a charge for for services never received. There is no evidence that I received any services in my overseas trip. When I filed the claim, I did not recognize the charge although I did recognize that it was from XXXX which is where I traveled, to. This is why I did not file a fraud claim. Because I did not know of the vendor although it was possible that they mischarged me. Yet, BOA is allowing for a charge that I know nothing of and did not receive any services from. There is no signature ageeing to abide by the terms of the credit card, so why is BOA allowing for a change that has no signature/acknowledgement? This goes against basic consumer rights.

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 2022-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I signed up for Automatic payments to be paid with my checking account with Freedom mortgage and gave my banking information and was told I was approved of that payment method. Then I find out that according to Freedom mortgage I was a month behind on several monthly payments. That although my mortgage was being deducted monthly that I was behind a month. My payments were taken out on the XXXX of every month, but they told me they had to report me as being late. I tried resolving this with them, Freedom Mortgage but got nowhere. Then Covid hit and I signed up for forbearance to protect myself. To make this short and brief I was unknowingly put into a class action lawsuit and was awarded a miniscule amount of money they were charging EVERYONE who was either slow or Late. My credit is exceptionally good at XXXX. This mix-up is hurting my score from being higher. I've NEVER not payed my monthly mortgage since I bought this home in XXXX. In fact when Freedom mortgage bought my mortgage from my 1st mortgage company, that 1st company told Freedom I had no homeowners insurance and Freedom mortgage Automatically " signed me up for homeowners insurance that cost me an EXTRA {$500.00} For XX/XX/XXXX and an EXTRA {$500.00} for XX/XX/XXXX. I was out {$1000.00} and couldn't buy XXXX gifts or home heating oil. When I questioned and complained Freedom mortgage didn't care. Needless to say I was put into ANOTHER class action lawsuit against my first mortgage company XXXX XXXX because of " THEIR '' shady practices of screwing homeowners. I'm a 100 % XXXX veteran who is tired of losing money to both FREEDOM MORTGAGE & XXXX XXXX  COMPANIES. ENOUGH IS ENOUGH. I want to be made whole by Freedom mortgage and those 2 so called " LATE '' payments taken OFF my credit report. Please help me resolve this. All it would take is an " HONEST '' and understanding individual to make things FAIR & RIGHT. THANK YOU, SINCERELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Massachusetts XXXX. Cell # 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 2022-08-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Can not reach this reporting agency to conduct a proper investigation of derogatories put on my report fraudulently! 

Yesterday I was notified by one of my credit monitoring services that a third party had placed on my report fraudulently derogatories! 

This company violated my rights under the Fair Debt Collection Practices Act ( FDCPA- Prohibits collectors from reporting false or embellished information on a consumers credit report ) and Fair Credit Reporting act FCRA ... the did not contact me in reference to the purchase of a bogus debt... 


Then used The account that they referred to as the third party ( XXXX  ) which was removed earlier this year when they failed to provided the proof of debt required under protest. 


Said debt was charged off the punched by XXXX XXXX XXXX... with out contacting me and providing said proof of debt... with original signatures as required... if so Please have them provide proof ( mail tracking numbers or registered mail receipts ) .. becuase I have no record of receiving any notice! 

Infact had they reviewed my reports they would have seen that I have a current credit card account with XXXX! 


I tried several times to place a dispute on line with negative results! Please remove said derogatories from my credit report with all three buearus immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Misinformation on report accounts that dont belong. Old address that I requested to be removed which is still on my report they removed them on XX/XX/2022 score when up XXXX pts score increase to XXXX and reinstated them on XX/XX/2022 and my score decreased by XXXX points score dropped to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Misinformation on report accounts that dont belong. Old address that I requested to be removed which is still on my report they removed them on XX/XX/2022 score when up XXXX pts score increase to XXXX and reinstated them on XX/XX/2022 and my score decreased by XXXX points score dropped to 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 2022-08-12 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: CA

Complaint narrative:
My name is XXXX, Im in my late XXXX, and trying to fix this has felt like mission impossible. 

XXXX XXXX XXXX, a debt buyer, and the three Credit Reporting Agencies have been the most difficult task I have ever encountered.

Im desperate. 

I know the CFPB has inroads so please take this nightmare away from me and to them! 

THIS DISPUTE IS REGARDING ORIGINAL LENDER : XXXX XXXX  Acct XXXX in the amount of {$2600.00}. 

This trade line just appeared on my credit report. I explained it was probably a credit mix up and asked to have it removed. But my request was completely ignored. 

It was never my loan. I never applied for it and never received it. As a matter of fact, I was told that not a single payment was ever made on that note. 

I got an email offer in XXXX via email to settle the amount for {$260.00}. 

I accepted because I was tired of the calls. Every morning, before I got up they were already calling! 

But it should not be that way. The information on there is supposed to be accurate and they have a legal obligation under the Fair Credit Reporting Act 's Furnisher Rule.

For XXXX months I have tried to have this debt either validated or deleted and Ive achieved neither. 


I mailed XXXX letters via USPS CERTIFIED AND RETURN RECEIPT to XXXX from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX I mailed XXXX, EQUIFAX AND XXXX a letter stating my intent to sue. 

I hope that there is resolution between XXXX and I. 

Enclosed is documentation supporting my request : the letters mailed over the last XXXX  months ( although they did nothing to help ). 

Please investigate this matter and delete the disputed item as soon as possible. 


Sincerely, XXXX XXXX Enclosures : XX/XX/XXXX Validation Letter mailed via USPS CERTIFIED RETURN RECEIPT XX/XX/XXXX INVESTIGATION REQUEST # XXXX XX/XX/XXXX XXXX Validation Request explaining why Letter from XXXX did not satisfy XX/XX/XXXX Investigation Request # XXXX XX/XX/XXXX Letter to XXXX XX/XX/XXXX Letter to XXXX XX/XX/XXXX NOTICE WRITTEN & MAILED VIA USPS WITH EXPLANATION FOR INTENT TO FILE SUIT XX/XX/XXXX ONE MORE SHOT AT RESOLUTION WITH CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: AK

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-08-12 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Ally Finance reported to credit bureaus that I was late 6 times. This is absolutely false. I was never late 6 times. In fact Ally themselves never reported that in previous months. 

They also are contunuing to report a 30 day late payment, when in fact this is incorrect.

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 2022-08-12 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-12 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX BETWEEN XXXX AND XXXX, Inquires Has Violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not Furnish a account without my written signature or instructions. I believe this is a fraudulent action that has been made. There has not been any investigation to tied these accounts to me. I have no accounts related to these to hold them under my name or 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