vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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: AL

Complaint narrative:
I am writing to file a formal dispute regarding the inaccurate reporting of a charge-off account on my credit report by XXXX XXXX XXXX XXXX The account in question is referenced above. I believe that this reporting is in violation of 15 U.S.C. 1601, commonly known as the Truth in Lending Act ( TILA ).

Under the provisions of the Truth in Lending Act, creditors are required to ensure that all credit information provided to consumer reporting agencies is accurate, clear, and not misleading. The charge-off status reported by XXXX XXXX XXXX fails to meet these standards for the following reasons : 1. Inaccurate Information : The charge-off was incorrectly reported or may not have been fully validated by XXXX XXXX XXXX XXXX This reporting does not reflect the true nature of my account or the circumstances surrounding it. 
XXXX. Failure to Provide Clear Disclosures : XXXX XXXX XXXX may not have provided me with the necessary disclosures or information related to the account, as required under TILA. This lack of transparency has directly impacted the accuracy of the information reported to the credit bureaus. 
XXXX. Potential Violation of Fair Credit Reporting Practices : The continued reporting of this inaccurate charge-off has resulted in significant damage to my credit score and financial standing. This is a violation of my rights as a consumer under federal law. 

I have made every effort to resolve this matter directly with XXXX XXXX XXXX but have been unsuccessful in reaching a satisfactory resolution. I am now seeking the CFPBs assistance in ensuring that my credit report is corrected and that the charge-off is removed. 

I kindly request that the CFPB investigate this matter and work with XXXX XXXX XXXX to correct the inaccurate reporting on my credit file. 

Thank you for your time and attention to this important matter. I look forward to your prompt assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
on XX/XX/year> my credit report shows un authorized hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: AL

Complaint narrative:
Continued harassment from XXXX XXXX a collection company for XXXX trying to collect on a Fraudulent account. I reported this a fraud, as this is not my account. The T-Mobile phone I had as paid in full years ago. I paid in full because I was dissatisfied with their service. They continue to post this on my Credit Report for the last 4 years causing my credit rating to drop from an Excellent to XXXX effecting housing and employment opportunities. Contacted XXXX, they said this is not on report and refuse to move this company and update my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion XXXX XXXX are incorrectly reporting the account XXXX Account # XXXX which is reporting as a charge off/collection. This is not accurate and furthermore XXXX is not reporting the account so what Transunion and XXXX have to validate this information. I have previously disputed this same information and it came back verified I would like to know how the information was verified and what investigation was done to determine the claim. Credit card issuers are insured and do not incur a loss so if the account is charged off then the insurance has paid any deficiencies and this account is considered settled.

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 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I need to open XXXX merchant disputes, I tried to do it through the callcenter but I don't know how to reach someone if the system request the XXXX all the times, I don't have SSN and I couldn't by pass that request. 
Please open the merchant dispute with the details below : XXXX XXXX, XXXX tech {$860.00} and {$860.00} XX/XX/XXXX, {$87000.00} and {$87000.00} posted on XX/XX/year>. All of these were purchase made in person at the store with delivery service, XXXX XXXX XXXX XXXX, XXXX for each transaction. 
The laptops were received on XX/XX/XXXX, at that time I changed of mind and were no longer needed so I proceed to go in person to the store on XX/XX/XXXX to return the products and request a refund. They have a return policy for a full refund up to 30 days after the delivery of the goods. So they accepted the return and provided the full refund official receipt on the same day ( XX/XX/XXXX ). They gave me a timeframe up to 5 days to have my account credited with the refunds, but that credit was never posted. 
I called them on XX/XX/XXXX but they didn't provide any solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: MO

Complaint narrative:
I submitted a complaint about my loan servicer to CFPB. They responded to the complaint today with false information. They removed me from the PAYE plan, which I have been on since 2017. In their response to my CFPB complaint they stated that I am on administrative forbearance due to the SAVE legislation. That is not true. Just today I got an email from them notifying me that I will be removed from forbearance in 44 days and be forced to make payments again. This is because I am incorrectly on a Standard plan due to their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
Hi EQUIFAX, I just checking my credit report and i see this fraud collection from XXXX XXXX XXXX XXXX that was opened without my knowledge. 
I DONT EVEN KNOW WHO THIS PEOPLE ARE. This fraud collection shall delete from my credit report. I was on the phone with the fraud team from XXXX and the told me this account is fraud and they deleted it from their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was with my ex and he sent me money. I found out he was cheating and he filed a dispute with XXXX XXXX  Which to my bank Wells Fargo to close my account. XXXX Told XXXX XXXX  the XXXX transactions was unauthorized and that he didnt know me. I talk to you the fraud department of Wells Fargo and loss And prevention told them that I had proof that I was with him and that he was aware and intentionally sent me those. He filed a fraudulent dispute with XXXX, which froze all my money. I dont know what to do at this point because they wont allow me to do a counterclaim against him and I feel unheard please point me into the right direction.

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 2024-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have been dealing with XXXX and PNC for my loan used to attend The XXXX XXXX XXXX XXXX XXXX XXXX which belongs to a chain of schools that have been found to have committed Institutional Misconduct. For whatever reason XXXX and PNC refuses to adhere to the Refund Policy regarding The Loan and the Holder Rule. PNC claims they have no business ties to the XXXX which doesn't matter. The XXXX was used to purchase a service that wasn't delivered upon by the XXXX. PNC gave me a representative that I had to play phone tag with who didn't give me any new information or accurate information. 

Statements from several joint investigations into The XXXX XXXX XXXX XXXX show that borrowers were ripped off by this school. PNC expects to continue to profit off my loan despite this information. 

" This group discharge is based on XXXX finding that The XXXX XXXX and its parent company, XXXX XXXX XXXX ( XXXX ), made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. XXXX relied heavily on evidence provided by the attorneys general offices of Pennsylvania, Massachusetts, and Iowa, which conducted multi-year investigations into, and brought lawsuits against, The Art Institutes and XXXX. As discussed in more detail below, EDs independent review of this evidence resulted in EDs finding that, between at least XXXX and XXXX, The XXXX XXXX engaged in substantial misrepresentations related to employment rates, salaries, and career services. '' The evidence I have sent to XXXX and PNC clearly states what Misconduct Occurred and why they should refund the amount under the Holder Rule. They ( XXXX and PNC ) seem to misunderstand exactly how the Holder Rule operates because they believe they can just say it isn't their problem because they aren't affiliated with the College which is behavior that the Holder Rule was originally established to combat. 

I would like like to speak to someone that actually asks questions about what happened with the college and the loan instead of just having a glorified secretary play phone tag and waste my time. 

PNC owes me {$19000.00} which I paid to them on a loan that is eligible for a school misconduct discharge. 

I have given XXXX / PNC several notices of the Misconduct from the seller ( XXXX XXXX / XXXX ). It is time for them to fulfill their end of the contract and for them to stop trying to XXXX out of refunding the amount they collected while I receieved none of the services that I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX use too much aggressive force on my credit report by running it too many times in their system after The first denial. Day was not supposed to run my credit at all because I had no identification presents at the time. OK So there was no reason to run my credit if I did not have my Florida identification in hand or at all because it is expired at this time. Please remove every XXXX and query of my report from 2024. 
COAF XXXX XXXX COAF XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX CAPITAL ONE XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX use too much aggressive force on my credit report by running it too many times in their system after The first denial. Day was not supposed to run my credit at all because I had no identification presents at the time. OK So there was no reason to run my credit if I did not have my Florida identification in hand or at all because it is expired at this time. Please remove every XXXX and query of my report from 2024. 
XXXX XXXX XXXX XXXX XX/XX/2024 REGIONAL AC XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 2024

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> I contacted TransUnion because I could no longer access my credit report or unfreeze my credit report from their website. The agent said they unlocked and sent my account for maintenance. Do to the error of TransUnion I was not able to be approved for a credit product because my financial information could not be found.

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 2024-08-27 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX, 2023 CAPITAL XXXX Sep. XXXX, 2023 CAPITAL XXXX VIA DEALER XXXX XXXX, 2023 CAPITAL XXXX VIA DEALER XXXX XXXX, 2023 XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX, 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
So I got behind on my payment 2 months. I contacted mortgage company about my financial hardship. They told me I was not on mortgage I told them that XXXX XXXX  XXXX was aware of my father 's death 10 yrs ago before they sold Carrington the mortgage. Carrington then bounced me around to 3 different people that had no idea what the other was doing. Carrington then had me submit death certificate and other paperwork, which I did. Then they had me submit other paperwork that would end up not being what they needed. I was trying to get loss mitigation paperwork filed, but they kept telling me that I'm not on mortgage so they can't speak to me about mortgage. All the while time was going by getting closer to auction date. I wasn't offered covid relief program or nothing. I kept filling out paperwork they would send then they would tell me it wasn't the correct paperwork. This went on for 4 months. They had no problem cashing my personal checks for XXXX yrs for mortgage payments, but can't tell me my options or even speak on loan situation. They also quit excepting my payments. I have all our email correspondence saved that shows the negligence of Carrington and how they illegally sold my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

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.

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 explanation
Consumer complaint received 2024-08-27 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: GA

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: MI

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 non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I have been a victim of multiple data breaches, and now there are collections on my credit reports that does not belong to me. It is damaging my credit. 
According to 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Account : XXXX XXXX XXXX Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4

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