vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc.
State: AR

Complaint narrative:
Credit Corp Solution has reported false information to at least 2 of the 3 major credit bureaus ( XXXX and XXXX ) -- see attachments. They are reporting that " Credit Corp Solution '' is the " original creditor. '' That is false. I have never transacted any business whatsoever with Credit Corp Solution and I have never incurred any debt with them. This appears to be a deceptive attempt to re-age the debt so that it will stay on my credit reports longer than allowed by the Fair Credt Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Didnt receive 1099c from syncb/ppc. They wrote off as a loss.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have verified my records and can confirm that this account should only appear once. It is reporting twice with a different account number. Account XXXX is reported closed while account XXXX is still reporting as open when it is indeed close. The duplicate listing is negatively affecting my credit score and misrepresenting my credit history. Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and complete. 

Attatched are the dates, I'm afraid as to reporting account XXXX account as " closed '' because it was indeed closed at the same time account XXXX because it is the SAME account. I included the account payment details which show 99 payments history on account XXXX and only 88 payments on account XXXX which are all the same except for the payments that were not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: PA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-10-24 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: PA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-10-24 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear XXXX and Equifax While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX. ( XXXX XXXXXX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: MA

Complaint narrative:
I sent two letters by certified mail to dispute a late payment with XXXX XXXX XXXX XXXX and to dispute a closed account ( {$700.00} ). I sent the mail on XX/XX/year>XXXX  making it almost thirty days with no response to verify that information.

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 2024-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: WA

Complaint narrative:
I originally used the Covid relief payment deferral in XXXX of XXXX to help with making mortgage payments to BSI Financial at the time. It was only supposed to be for a few months and the payments would be tacked on to the end of my mortgage. They told me I would not get charged any late fees for this. I never stopped making payment to BSI financial, however they have been charging me late fees since XXXX. I have called numerous times to check on the status of my mortgage to BSI and they would assure me that everything was fine and that they were just waiting on funds from the VA. This went on for years. I made my full amount payment every month and it was not being put towards my mortgage, it was held in some unapplied account. I do not know where all the payments I have been making to BSI for years have gone. I also never received any information or paperwork regarding these issues from BSI. The only time I received my mortgage modification application was in XXXX of XXXX, 15 days before my account was transferred to XXXX XXXX. Now XXXX XXXX has no idea what is going on and is saying that I am XXXX payments behind and owe them {$33000.00}. I also tried to make my monthly payment this month for XX/XX/XXXXXXXX  and it was rejected and returned to my checking account. I called XXXX XXXX  to find out why this happened and they said they didn't know but their best guess is because I didn't make the payment of {$33000.00} in full. And when asked what I should do they told me to file a lawsuit. Now because of a few months of payment deferral during Covid I am showing my mortgage is delinquent, it has dramatically affected my husband and my credit score, and we are at risk of foreclosure and losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I FILED A COMPLAINT ON XX/XX/year> TO XXXX, TRANSUNION AND XXXX REQUESTING THAT THEY VALIDATE A NUMBER OF ACCOUNTS THAT I BELIEVE ARE INACCURATE AND THESE COMPANIES ARE NOT COMPLYING WITH THEIR OWN POLICIES IN A TIMELY MANNER.

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 2024-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I FILED A COMPLAINT ON XX/XX/year>XXXX  TO EQUIFAX, XXXX AND XXXX REQUESTING THAT THEY VALIDATE A NUMBER OF ACCOUNTS THAT I BELIEVE ARE INACCURATE AND THESE COMPANIES ARE NOT COMPLYING WITH THEIR OWN POLICIES IN A TIMELY MANNER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
Subject : Dispute of Incorrect Credit Reporting Due to XXXX  XXXX Bankruptcy Discharge Dear CFPB, I am filing a formal dispute concerning inaccurate information on my credit report by TransUnion, XXXX, and XXXX. I filed for XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ) on XX/XX/year>, and it was discharged on XX/XX/year>. This was a no-asset XXXX  XXXX case, where all dischargeable debts, whether listed or unlisted, were discharged under 11 U.S.C. 727 ( b ). 

The following accounts are inaccurately reporting late payments and charge-off statuses, despite being discharged. The screenshots of the accounts are attached.

Under 11 U.S.C. 524 ( a ), the discharge injunction prohibits creditors from reporting debts as delinquent or attempting to collect on discharged debts. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit bureaus must accurately report the status of discharged debts. 11 U.S.C. 727 ( b ) ensures that the discharge covers all pre-petition debts, whether listed or unlisted, except for specifically non-dischargeable debts. 

Please investigate and update my credit report to reflect the discharge of these accounts and remove any reported late payments or charge-off statuses. 

Enclosures : Copy of Bankruptcy Discharge Highlighted Credit Report showing errors Thank you for your prompt attention. 

Sincerely, 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 2024-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
The federal government paused student loan interest in XX/XX/XXXXXXXX  and resumed the interest in XX/XX/XXXX. My interest has gone up and continued to go up. I have asked for itemization and documents for years and they have not provided this. 

I have sent emails asking for them to send me documents of my original owed amount and the interest they have accrued in XXXX XXXX XXXX XXXX, and I have been ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
My name is and I am not filing this claim in the 3rd person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXXXXXX XXXX # XXXX  {$2600.00} XXXX XXXX XXXX XXXX  # XXXX {$4000.00} INQUIIES : XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I HAVE ASKED THESE COMPANIES TO VALIDATE AND SEND PROOF THAT THESE ACCOUNTS BELONG TO ME WITH CONTRACTS I SIGNED IN WET SIGNATURES. SO FAR THEY HAVE NOT DONE THIS.

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 2024-10-24 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: PA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: MD

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 party. 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 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 2024-10-24 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: MD

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 party. 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 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 2024-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: ME

Complaint narrative:
The issue is that the Sloanservicing website has been basically inaccessible for months. There is actually a reddit thread about the issue. When borrowers attempt to access their loan information and/or make a payment online, the log in is just a blank screen. I actually called sloanservicing a couple of months ago because I thought the issue might have been my browser or something I was doing wrong ( although I have been making my payments and accessing my accounts for years with no issues ). I was told by the customer service rep that it was a known issue they were working on but had no idea when it would be fixed. With this information I expected the matter to be resolved in a couple of weeks or so. As I stated previously, it has now been months and there does not seem to be any resolution in sight. One of the frustrating things about the situation is that Sloanservicing is not taking any responsibility by even putting up a notice that there is an issue being worked on. Borrowers just go onto the website and you do not know it's not going to work until you enter your log in information and get nothing but a blank screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the Chase Freedom Unlimited card online and was initially rejected due to " identity theft '' concerns, with Chase suspecting I hadnt made the application. After contacting Chase, I was instructed to visit a local branch, where my identity was verified through my passport and social security card. The branch banker called Chase to confirm this, and I was later asked to upload documents verifying my birth date and address, which I did. Shortly after, I was rejected again for the same reason : " identity theft. '' I called Chase again and was told, once more, to visit the branch. I complied, and this time the banker scanned and uploaded my passport into Chase 's system. I was assured that this would resolve the issue. Yet, just four days later, I was rejected a third time, again for " identity theft. '' This repeated cycle of rejection, despite my full compliance with all of Chase 's requests, is both absurd and deeply frustrating. How many times must I verify my identity before Chase stops hiding behind this baseless " identity theft '' excuse? Its clear that Chase is wasting my time and showing a complete lack of regard for its customers. This goes beyond poor customer serviceit 's an unreasonable and insulting failure in your process. I expect this matter to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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:
I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
My name is and I am not filing this claim in the XXXX person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXX XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} INQUIIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I HAVE ASKED THESE COMPANIES TO VALIDATE AND SEND PROOF THAT THESE ACCOUNTS BELONG TO ME WITH CONTRACTS I SIGNED IN WET SIGNATURES. SO FAR THEY HAVE NOT DONE THIS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I purchased a car a XXXX  XXXX XXXX from XXXX XXXX XXXX  company, 2 months before they closed their doors forever due to filing bankruptcy and abandoning their car lots i had paid my car off, then all of a sudden i see XXXX XXXX  saying i owe them car payments, i told them i don't my car was with XXXX XXXX XXXX  and not XXXX and I'm not repaying for a car i have paid off, from that point they put it on my credit report which i disputed and Equifax and XXXX took it off at first then put it back on there and that's fraud, Equifax is reporting i owe XXXX XXXX  the total amounts of {$19000.00} and XXXX is reporting i owe {$23000.00} and this is all fraud and reporting as bad debt charge off and Equifax is reporting profit for loss, and that's fraud as well. 

At this point i can not get another loan or lease because of this fraud activity, i never had or did business with XXXX XXXX XXXX  or financial and i want my {$1000.00} dollars a day from XXXX and Equifax for allowing the fraud activity to happen on my credit profile which is totally a FCRA violation. and since XXXX XXXX is reporting profit for loss, i was never given or sent or mailed a 1099-c which is a cancellation of debt and according to F.C.R.A. section 623 ( 15 U.S.C. & 1681s-2 ) since i never got a 1099-c this is fraud not just on my credit profile, but to the i.r.s. and to the credit buraus and since i have been injured in this blatantly damaging to me and my credit i am requesting compensation of {$1000.00} a day that this fraud reporting have appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: PA

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report and have no idea why they're there. I check my credit report regularly, but today I found discrepancies that weren't there before. I even refreshed my browser to ensure it wasnt a glitch, but the inquiries remained. This issue needs immediate attention, and I request a thorough review of the documents I submitted so I can stop worrying about this once and for all.

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