vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
This debt is in regards to a debt incurred due to economic abuse. In Maine as a victim of economic abuse as defined under the law I am protected and looking to exercise my rights under the law. I have made numerous attempts and sent in multiple copies of documents I am required to send in. Spent hours on the phone looking for the right place and help to get this matter resolved, with no real effort or appropriate action taken by this company. I have done what I am supposed to do, maybe this will be the way to get this urgent matter resolved before taking further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
ACIMA sent me an email below email to me - I never applied with them. I dont even know them. I dont know XXXX  XXXX XXXX that they are talking below. 

At first I thought it was a spam email but I when i checked XXXX i found a SOFT inquiry. All my credit reporting accounts are already on FREEZE for several months now. I dont understand how ACIMA can just do a SOFT inquiry and approve a loan. 

This is a fraudulent practice by ACIMA. When i reached out to ACIMA, they are asking me to file a police report and send them the full police report. I do NOT want to send them the police report because it will have my SSN and other personal confidential details. 

I already worked with XXXX and had the SOFT inquiry removed. 

" you're approved to lease up to {$2700.00} * at XXXX XXXX  XXXX. 
Your lease approval is good until : XX/XX/year>. 
You're Almost There! 
Shop XXXX XXXX XXXX Choose eligible merchandise up to a total of {$2700.00} *. 
Your lease approval ID # is XXXX. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: NJ

Complaint narrative:
Payment Increase Despite Request for Reduced Payment : Due to financial hardship, I requested a reduced monthly payment in XXXX, completing the financial relief form provided by my lender. Despite this request, the payments continued to increase annually. For instance : On XX/XX/XXXX, I paid {$260.00}. 
By XX/XX/XXXX, my monthly payment had increased to {$290.00}. Further, by XX/XX/XXXX, the payment had escalated to {$520.00}. 
These increases continued without clear explanation or justification, making it challenging to manage payments despite my financial hardship request. 

When I returned to school, I placed my loan in forbearance under an agreement that paused my payments during my studies. However, once the forbearance period ended, my resumed payments were unexpectedly high, differing from my original pre-forbearance amounts. For example : After a period of forbearance on XX/XX/XXXX and XX/XX/XXXX marked as " Capitalized Interest - Payment Postponement, '' my regular payments increased substantially. 
Prior to this period, my payment on XX/XX/XXXX was {$260.00}, but by XX/XX/XXXX, it had reached {$390.00}. 
After another forbearance adjustment on XX/XX/XXXX and XX/XX/XXXX, my resumed payment on XX/XX/XXXX was {$580.00}, much higher than anticipated. 
This discrepancy contradicts the terms provided in my agreement, which indicated that payments would resume at the same rate following forbearance. 

During periods of unemployment, I paid a {$150.00} fee multiple times to place my account in temporary forbearance. However, this fee was not clearly outlined in the original loan terms and added substantial financial strain. Examples include : On XX/XX/XXXX, I paid {$150.00} to keep the loan in forbearance. 
This pattern continued with additional fees on XX/XX/XXXX and XX/XX/XXXX, each Several entries are marked as " Capitalized Interest - Payment Postponement '' with a {$0.00} entry, which is unclear in terms of actual financial impact. This includes dates such a XX/XX/XXXX and XX/XX/XXXX, each listed XXXX XXXX {$0.00}. 
I am concerned that these entries may have impacted the balance due or created confusion regarding the calculation of my interest and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: NC

Complaint narrative:
Credit inquiry on my Equifax report that I didn't authorize. The inquiry was made by XXXX XXXX  on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
My accounts 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/updated. 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. 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!

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 2024-10-31 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
This is my second notice regarding this matter. I am writing to formally dispute inaccurate information related to my XXXX loans reported on my credit file.

In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( B ) and 623 ( a ) ( 6 ), I am requesting an immediate investigation and removal of these items from my credit report as they are currently negatively impacting my credit score. 
Account Details : Creditor Name : XXXX Account Number : XXXX These entries are causing considerable distress as they are inaccurately impacting my creditworthiness and potentially limiting my access to favorable financial options. Under FCRA 605 ( B ), I am entitled to have unverifiable information excluded from my report, and per 623 ( a ) ( 6 ), creditors must take reasonable steps to report only accurate information.

Please investigate these accounts and notify me of the results within the statutory 30-day period. If you can not verify the accuracy and completeness of the student loan information, I request that you delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: MN

Complaint narrative:
XXXX credit instead of honoring there buyers credit warrenty they choose to lock me out of my account that was disputed and then XXXX started taking XXXX a month with out my connsent on a debt older than 7 years old in MN. They breached the contract when XXXX out of XXXX orders from XXXX never arrived in the XXXX. They had me wait so long the 2 months was up to dispute. Now XXXX is lying to the credit reporting companys and it is XXXX dollars. All 3 major reporting companys and I have reported them 2 or 3 times to each one.

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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please immediately block and remove several incorrect accounts recently found on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UPGRADE, INC.
State: WA

Complaint narrative:
XX/XX/XXXX - Upgrade pulled from checking account XXXX on an autopay for a payment that was already made prior. Payment amount was XXXX for a XXXX amount due. Contact to company to find XXXX why autopay was on when I was told in XX/XX/XXXX by same company they will turn off autopay on all XXXX accounts because of their pulling additional money at the time for XXXX other accounts. and XXXX why the additional pull when the amount paid initially was over the payment amount. Company has no explanation but said they would file a compliant. this is wrong on all levels that a business dealing with accounts including checking would have no oversight on this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2024-11-01 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: MD

Complaint narrative:
My credit report displays several billing mistakes marked as late payments, which misrepresent my actual payment habits. Please adjust these errors and update my account.

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 2024-10-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have my bank statements and funds being used checks being cashed and nothing is been done my name is XXXX XXXX and I bank with trust and they still let money come out my account I wan na report fraud and my money returned or I'm sue

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello and good day, Ive been working tirelessly for months to fix errors on my credit report, and its been incredibly draining. Having a strong credit profile matters a lot to me, yet these mistakes have seriously damaged my financial prospects and peace of mind. Despite all my efforts to get this resolved, the issues continue to be overlooked, adding even more stress to my personal life and affecting my credit standing.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All 3 bureaus are reporting this account to be closed with a balance. The balance on the account should be XXXX. Due to it reporting over the limit it has caused my score to drop making it difficult to obtain new credit.

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 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
on XX/XX/year> Navy federal resolved my account restriction, however my money marketing account has been moved and switched to a regular checking account without notice. I'm not sure why they would move my money market account. I do believe I have been a victim of bank fraud deceptive practice in banking ( transferred funds between accounts without my permission ) and I would like for the OCC and the FDIC to be notified while processing this complaint. I do believe they are in an attempt to cover their tracks by causing a fictititous type of mix up. I checked my account type before it was froze as well as after the freeze the account went from a money market account to a XXXX  account to a regular everyday checking account ( my checkbook purchase fees where charge to my regular checking account and that's very unusual ). This is a common display of bank fraud and deceptive bank practice. I reported my type of account to the branch supervisor after the account freeze and I was told their security team had access to my account. I would like for this branch and their security team actions investigated. 

The images I'm uploading are proof of money market checkbook purchases and a bank state from time of purchases showing proof of purchase not represented by original checking account. Including image of checkbook purchase from money market FDIC account ending in its account number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony lower my credit limit from {$2900.00} to {$1800.00} which is {$54.00} above my current balance. I have not been late with payments to Synchrony on this account or other accounts that I have with Synchrony. 

I have two ( 2 ) issues with this, one the random lowering of the credit limit, and two the effect that lowering the credit limit has on my credit used to credit limit debt ratio.

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 2024-11-01 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: FL

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 2024-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Unauthorized hard inquiries are listed on my credit report. Please remove all unapproved entries that are impacting my credit.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously disputed an inaccurate debt on my credit report with XXXX, Transunion, XXXX. The debt, reported by XXXX XXXX XXXX XXXX XXXX on behalf of The XXXX XXXX, was verified without sufficient validation. 

Upon requesting documentation, XXXX XXXX XXXX provided two conflicting documents : A summary statement showing a balance of {$2400.00}.

An additional statement with a different balance of {$1400.00} and an incorrect apartment unit number, and a different name.

These inconsistencies raise serious doubts about the debts validity. Despite these issues, the bureaus did not correct or remove the debt from my report, causing significant harm to my credit and affecting my ability to obtain a mortgage.

I am requesting a thorough reinvestigation, requiring legally binding documentation ( e.g., a signed lease or detailed account ledger ) to verify the debts accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I previously disputed an inaccurate debt on my credit report with XXXX, XXXX, Experian. The debt, reported by XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXXXXXX XXXX, was verified without sufficient validation. 

Upon requesting documentation, XXXX XXXX XXXX provided two conflicting documents : A summary statement showing a balance of {$2400.00}.

An additional statement with a different balance of {$1400.00} and an incorrect apartment unit number, and a different name.

These inconsistencies raise serious doubts about the debts validity. Despite these issues, the bureaus did not correct or remove the debt from my report, causing significant harm to my credit and affecting my ability to obtain a mortgage.

I am requesting a thorough reinvestigation, requiring legally binding documentation ( e.g., a signed lease or detailed account ledger ) to verify the debts accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation