vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit score from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A thorough review of my credit record has revealed concerning late payment entries that require immediate attention. Despite my proactive approach in addressing this issue by sending letters over 30 days ago requesting clarification and validation, I have received no response or satisfactory explanation. This ongoing silence and lack of proper validation has left these disputed entries unresolved on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I called Mohela in XXXX, because I got a notification my loans were entering repayment while I was still attending school. They told me to have XXXX XXXX XXXX XXXX XXXX  ) send them a new letter showing my enrollment status as still in school minimum part time becuase Mohela had my enrollment status as graduated. I called XXXX financial aid, and they said it would take a few weeks, but they resent it to Mohela, however Mohela has not updated my status and is accruing interest and asking for payment on loans that should still be deferred for in school status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
I disputed several errors on my credit report with XXXX and Equifax, ever since my credit hasnt been updated on my membership. I have called, provided the personal information validation, and everything else and still havent seen my credit report update in 5 months on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
On XX/XX/year>, I received a letter from Gateway Mortgage informing me that my mortgage had been sold. The letter specifically stated that no payments would be accepted after XX/XX/year>. As a result, I did not make my scheduled payment for XXXX, believing I was in compliance with the instructions provided in letter. 

However, on XX/XX/year>, I received a call from Gateway Mortgage attempting to collect a payment. During this call, I explained that I had received the letter dated XX/XX/year>, and that no payment was due from me as per the instructions therein. Despite this, I was transferred to several representatives throughout the day, and after three conversations, I requested that the matter be escalated for resolution. Unfortunately, I did not hear back from Gateway Mortgage, and I assumed the issue was resolved. 

To my surprise, today, I received yet another collection call regarding the payment that was supposedly due on XX/XX/year>. Once again, I referred to the letter from XX/XX/year>, and was met with little response other than a dismissive acknowledgment. I subsequently called Gateway Mortgage and spoke with a representative named XXXX for approximately 33 minutes. During this time, he did not provide the supervisor I had requested, and the situation was not resolved. I was then told that Gateway had made a payment to my new mortgage servicer for XXXX, and XXXX was now attempting to collect that payment from me. 

This contradicts the clear instructions provided in the letter from XXXX dated XX/XX/year>, which indicated that no payments were to be made after XX/XX/year>. I am concerned that Gateways actions are inconsistent with this communication, and I would like to resolve this matter promptly. 

I request that Gateway Mortgage review my account, the letter dated XX/XX/year>, and all associated communications. Additionally, I ask that they cease all collection efforts regarding this payment and confirm that this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S.
Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XXXX XXXX To : Money Network ( ( Fiserv ) email address XXXX Regarding : MONEY NETWORK CARD to XXXX XXXX for XXXX Insurance From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX Case XXXX XXXX I, XXXX XXXX am Disputing 3 fraudulent charges that my card was used for that I did not have any knowledge of. The Card has since been suspended due to suspicious activity and I was unable to use the card when I needed it. I had no idea that the card was used fraudulently until I called Money Network on XX/XX/XXXX to find out why it wasnt working I spoke with XXXX. I am on a fixed budget and had been off work for 6 weeks in XXXX and XXXX and went through the XXXX XXXX to get my XXXX insurance which is how I obtained the card. The Disputed Fraudulent Charges are as follows : XXXX. XX/XX/XXXX for XXXX to XXXX XXXX XXXXXX/XX/XXXX for XXXX to XXXX XXXX XXXXXX/XX/XXXX for XXXX to XXXX This is the only information I have on the purchases because when I try to get on the app the XXXX XXXX doesnt work at all. 
The information on the original deposit is below. 
State : XXXX  Benefit type : XXXX XXXX XXXX XXXXXXXX Insurance ) Deposit Date : XX/XX/XXXX Date Stolen/Transferred : XX/XX/XXXX Routing Number of bank the money was transferred to : UNKNOWN/ not provided by 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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Around XX/XX/year> there were unauthorized transactions on my account using my debit card at several atm machines. I filed a report with law enforcement and a dispute with capital one. My dispute was denied and I was told by capital one that due to my card being used at several ATM machines they could not review cameras from other banks to see who used my card and could not refund my money. However, over the holidays after reviewing these transactions I noticed that in XX/XX/year> one of these unauthorized transactions were done at a capital one atm. So capital one has blatantly lied in an effort to avoid acknowledging evidence that my card was compromised. I live in XXXX Ohio. There is only one capital one here in the middle of XXXX XXXX. There is no way they can tell me that they cant review cameras at their own atm machine in the middle of a mall. However, thats exactly what they told me. After noticing this I called capital one fraud department to clarify why my dispute was denied. I was again told that they had no way to know who used my card. I then pointed out that on XX/XX/XXXX, one of these unauthorized transactions were at a capital one atm. I asked why this camera couldnt be reviewed to see who used my card. I was told that my case was closed and there was nothing more that could be done. Even after this I am still being refused any escalation of my dispute. Capital one has negligently and intentionally refused to look at evidence that supports my claim, namely their own atm camera.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: DE

Complaint narrative:
Two addresses appeared on my background check that are not addresses that I lived at ever or was associated financially. These addresses are associated with my ex-husband, XXXX XXXX, after our separation/divorce. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Neither of these addresses should be associated with me. I never lived there or had financial connection to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint against SST System and Services Technologies Inc. regarding their aggressive and harassing debt collection practices related to my account, which was allegedly transferred from XXXX to SST in XX/XX/XXXX. 

Since that time, I have received excessive communication from SST, including numerous text messages, phone calls, and emails. These communications have been both persistent and threatening, demanding payment and warning of potential negative reporting to my credit. Despite my requests for documentation regarding this alleged debt, no information has been provided. 

After the holiday season, I took it upon myself to investigate the legitimacy of this debt and discovered that it does not appear on any of my credit reports. I contacted SST multiple times to clarify the situation, during which I was repeatedly asked to provide my Social Security number or the last four digits of it. I complied by providing my address and other relevant information ; however, I refused to disclose my Social Security number due to privacy concerns. 

Despite having my account information on file, SST has refused to process any payments without demanding i provide my social security number. I attempted to make a payment on XX/XX/XXXX and was refused by employee XXXX XXXX and told it would be reported to my credit negatively. On XX/XX/XXXX i called again to make a payment and after speaking to multiple representatives and a supervisor they finally processed a payment from the account on file. I have recorded conversations that demonstrate their refusal to accept payment while simultaneously demanding personal information, which I believe constitutes illegal debt collection practices. 

In light of these circumstances, I am formally requesting all documentation related to this account, including details about the original creditor, the amount owed, and any communication records. I believe that SSTs conduct has not only been unethical but also in violation of the Fair Debt Collection Practices Act. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: VA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit file is still reporting on XXXX and XXXX as late and past due. This Credit gile from Credit Acceptance paid and shows accurately on XXXX XXXX. I have payoff letter and release of lien from Credit Acceptance. Please help get this removed and updated accurately.

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 2025-01-10 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax credit Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of debt and request for validation Dear XXXX, I am writting regarding your recent communication concerning an alleged debt. I disputing the validity of this debt under the fair debt collection practices act ( FDCPA ), 15 U.S.C. & 1692g, and i am requesting that you provide validation of the debt as required by law.

Please provide the following information : 1. the name of the original creditor 2.The amount of the debt, including a detailed breakdown of any fees, interest, or other charges.

3. verification that you are legally authorized to collect this debt.

4. Copies of any documents or agreements that demonstrate that i am legally obligated to pay this debt. 

Additionally, I request that you cease all collection efforts, including phone calls, until this debt has been validated. Be advised that any further contact attempting to collect this debt with proper validation will be considered a violation of the FDCPA, and I reserved the right to file a formal complaint with the financial Protection Bureau ( CFPB ) and other relevant authorities.

Please respond to this request withing 30 days from this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection 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 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I contacted Barclays Bank Delaware to request specific information about my account ( # XXXX ), including the Date of First Delinquency, the Date of Last Payment, and the Date of Charge-Off. Additionally, I inquired if a Form 1099-C was issued for any canceled or written-off debt associated with this account. Despite my efforts, I have not received a response or the requested documentation.

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