vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 explanation
Consumer complaint received 2023-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-27 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: NY

Complaint narrative:
Good Afternoon, On XX/XX/XXXX my Experian credit score was XXXX. On XX/XX/XXXX it dropped to XXXX. It states the reason is I was late for 60 days. One, that makes no sense because I would have taken a 30 day hit on the prior report. I have a 66 page credit report and have spoken to Experian.com and there is nothing that has ever been late. They are telling me the only way to fix this is to call and pay a credit person since all the accounts are in good standing. How can this be legal? They can just drop my score so I have to hire and pay someone? If they can find out what is supposedly late, why can't I? Both of my other credit reports are XXXX to XXXX. How do I fix this illegal issue? Please help? 

Payment history rating : VERY GOOD 1Late Payments 30+ Days Number of your accounts that were ever 30 or more days late, or have a derogatory indicator A reported missed payment or derogatory indicator which indicates that an account has not been paid as agreed. Authorized user accounts aren't considered in the calculation of this attribute. About XXXX XXXX  of FICO High Achievers have no missed payments at all. 


0Collections 1Late Payments 60+ Days Number of your accounts that were ever 60 or more days late, or have a derogatory indicator A reported missed payment or derogatory indicator which indicates that an account has not been paid as agreed. Authorized user accounts aren't considered in the calculation of this attribute. Virtually no FICO High Achievers have a 60 days late payment or worse listed on their credit report. 


0Derogatory Public Records XXXX XXXX Accounts Always Paid as Agreed UnknownTime Since Most Recent Late Payment Thanks, 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
APPLE CARD/GS BANK USA ACCT XXXX XXXX DATE OPENED : XX/XX/XXXX {$2700.00}. This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX in the amount of {$2700.00}. And i also have not received my 1099-C letter from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: FL

Complaint narrative:
I reached out to TransUnion a third party reporting agency about my credit score dropping XXXX points for no reason there where no inquiries, no new charge-offs or collections information that appeared upon my consumer report acourse the rep was nonchalant about about my issue and did not want to look into it but rathered I request my consumer report from them and then call back and this is after I told them that I was looking at my consumer report and have subscription with other third-party reporting agencies for my credit they all say and show no new information thats derogatory but does show my increase I received from one of my CC from XXXX XXXX XXXX XXXX XXXX My score was a XXXX and dropped XXXX points and Transunion nor the other third- party reporting agencies can show reason

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 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: The Aligned Company DBA Extra
State: AR

Complaint narrative:
I was using a credit building app that links a secured credit card to your bank account, so you could only spend money that you have. 
I was trying to access the credit monitoring fubction of the app. So I inputted my personal details like name, DOB, SS #, etc. After that I was met with questions about my credit history from years ago, with the earliesr being from 2018. I am a XXXX XXXX XXXX right now, and the only credit history I have is when my mother used my credit details to try and build credit for me. But it was so long ago that she doesn't have all the data of those credit purchases, so I'm unable to complete that part of my account and is unaccessible by me, even though I'm on a paid subscription.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 2023-10-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Statebridge Company
State: PA

Complaint narrative:
I have not received monthly statements on my open-end mortgage/HELOC that is currently being serviced by Statebridge since XXXX of XXXX. On XX/XX/XXXX, I requested a copy of the Note via a request for information. The Note was not provided in the company 's response. 

There was a delinquency on the account but, in XXXX of XXXX, my loan was reinstated via PAHAF funds. The good-through date on the reinstatement was XX/XX/XXXX. As of that date, I began calling Statebridge, the servicer, to request monthly statements and to request the ongoing amount owed and the date that I would need to make payments. On XX/XX/XXXX, I was informed by a representative named XXXX in the loss mitigation department that there is a cease and desist status associated with my account and that I needed to follow up with a representative named XXXX. As an aside, I have probably called Statebridge 15x in the past year and have always been referred to XXXX and have only been able reach him one time. Since the XX/XX/XXXX call, I have tried to follow up with him numerous times and received no response. I was told that my ongoing P & I payment is $ XXXX, but I do not know the interest rate, as I have never been given the Note. I asked for a copy of the Note again via Request for Information sent on XX/XX/XXXX and have not yet received a response. In that same RFI/NOE, I requested to receive monthly statements, as there will be no way for me to keep track of the loan without the Note and the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
Third party collection company that has no contract with me posted personal information online on multiple sites. Demanding payments for a debt that was not validated and verified. Identity theft is being reported. Company has no record of business license in my state, i m also reporting to SOS office, AG and IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
This car was purchased at the end of the lease. Payments were confirmed received, but the company continued to ask for more payments, which they were unable to explain. Finally resolved payment issues on the company side and received a letter on XX/XX/2023 stating " ... that your liability under the above referenced lease is considered 'satisfied in full '. '' On XX/XX/2023 when speaking to a customer service manager of Kia Finance, I was told the account would be closed within a week and I would receive the title. The title was received and dated XX/XX/2023, but the account was never closed. A letter was then received from a different location of Kia Finance in XXXX XXXX XXXX, California stating that the lease is expired and that I have defaulted. Customer service continues to escalate internally, but there has been no resolution on why they are not able to close the account internally, even though the title has already been received and the letter confirming my obligations are satisfied was sent over 2 weeks ago. The last letter received stated that " this is an attempt to collect a debt '' which implies this will be an issue on my credit as a result of Kia Finance 's internal disorganization.

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 2023-10-27 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
per 15 U.S.C Subsection 1611 Truth In Lending Act Requires creditors who deal with customers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and require advertisements to include certain disclosures. The Act had been amended on numerous occasions, adding requirements for credit cards and open-end credit ; for mortgage credit such as ability to repay standards, appraisal independence, and mortgage servicing ; and others. A number of laws amending and enforced under this Act are listed separately.

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 2023-10-27 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: DE

Complaint narrative:
per 15 U.S.C Subsection 1611 Truth In Lending Act Requires creditors who deal with customers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and require advertisements to include certain disclosures. The Act had been amended on numerous occasions, adding requirements for credit cards and open-end credit ; for mortgage credit such as ability to repay standards, appraisal independence, and mortgage servicing ; and others. A number of laws amending and enforced under this Act are listed separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-10-27 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX in the amount of {$3000.00}. And i also have not received my 1099-C letter from this company.

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 2023-10-27 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX in the amount of {$3000.00}. And i also have not received my 1099-C letter from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to several multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX in XXXX from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: Experian Information Solutions Inc.
State: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I Called XXXX XXXX to change a flight. 
The XXXX employee was part of a fraud and transferred me to a third party company that Fraudulently charged my XXXX XXXX XXXX  card on XX/XX/2023. 
XXXX XXXX XXXX  Refuses to Deal with my Dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA
State: UT

Complaint narrative:
MOHELA Student Loan Servicing https : //www.mohela.com/ I completed the PSLF program and they set my balance to {$0.00}. 
They stopped reporting to the credit bureaus after the balance was paid and are not properly showing my credit history. 

The student loan debt still shows up on all 3 credit reports as an amount due. 
This affects my ability to qualify for credit and loans because they assume I have a payment of 1 % monthly on the original balance before the discharge. 

I received a letter from MOHELA dated XXXX XXXX XXXX that the loan balance had been forgiven through some other means besides my 10 years of PSLF payments. 
This forgiveness is stated as effective as of XX/XX/XXXX and here we are in XX/XX/XXXX and the debt is still not paid according to the credit Bureaus. 

I find their actions purposeful harassing and against Fair Credit Reporting. 
And the discharge should be backdated to either XX/XX/XXXX ( or earlier ) or XX/XX/XXXX. 
And they have no place in their online messages system to send them a message. 
Also calling them on the phone is a forever on hold, I have not been able to get anyone on the phone to complain about this issue. 
I did my 10 years of PSLF and still dealing with this kind of corruption!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation