vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: IL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-03 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: IL

Complaint narrative:
I am seeing companies being reported on my credit report that I did not open. I have sent correspondences to the credit reporting agencies but have only XXXX have removed the accounts. XXXX and Equifax have not removed the accounts thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: GA

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: NY

Complaint narrative:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXXXXXX XXXX  XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX. ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX. - XXXX And correct employer is : XXXX XXXX XXXX XXXX ( only ) Please delete XXXX XXXX  XXXX And DELETE all hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have a login with Experian and had in the past placed a credit freeze on my account. I tried to log in to ensure that the freeze was still active, but my login credentials did not work. I tried the password retrieval process and it did not recognize my cell number ( which has not changed ) as the number for my account. When I tried the " Let 's try another way '' option it never sent me a code to use ( tried multiple times, cleared browsing history and tried again ). I tried to call customer support multiple times on multiple days, but could only reach an automated system which offers only the snail mail option with no ability to speak to an agent. I am not going to put a copy of my DL, my SSN, and two other forms of ID in the mail!!! 
Experian, like all the credit bureaus, uses my data to make money through a coercive system which mandates that you allow this if you want to have credit, therefore they should be held accountable to maintain a system which works and has personnel to provide support when it doesn't.

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 2024-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation
State: TX

Complaint narrative:
I began dealing with XXXX XXXX about my past due account in XXXX. A settlement was supposed to be reached and was not. I was able to speak with a XXXX in the home office back in XXXX who advised me to make a payment for my account for it to not close in XXXX. I did that and they closed my account. I spoke with someone in XXXX and the account was reopened and I made another monthly payment in XXXX. The account was then closed again and charged off. I was not made aware of this since i thought the account was open since I was making my minimum monthly payment. I called in mid XXXX to speak with XXXX regarding my account and she advised me of a settlement and said she would call back and never did. I went to make a payment XX/XX/XXXX and discovered the account was charged off and closed. I called the home office spoke with XXXX who transferred me to XXXX XXXX who was supposed to give me a call back on XX/XX/year> and never did. As of XXXX I have attempted to contact her and not recieved a call back. This company closed my account even though I have continued to make monthly payments on my account. I would like the account reopened and to have my credit report corrected as I was making the minimum monthly and have attempted to contact people in the company who have not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
There are unauthorized inquiries 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 2024-06-03 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed information on my credit report over XXXX  months ( XXXX days ) ago and I have not received a response. The credit reporting agencies continue to report and house inaccurate information on my report and in turn has hurt my ability to obtain fair lines of credit. I am extremely stressed due to their negligence.

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 2024-06-03 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: TX

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-03 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: MO

Complaint narrative:
XXXX Put XXXX XXXX XXXX ) Application in. 
XXXX Spoke with Village Capital informing them that I put in a XXXX application to get full reinstatement amount plus 3 months mortgage payments going forward. 
XXXX Asked Village Capital to give a one-week extension on the foreclosure to provide XXXX more time to process the funds. 
XXXX XXXX and XXXX admitted that they and Village Captial were aware that I put in a XXXX application for funding. 
XXXX Called Village Capital again asking for a one-week extension, and they said NO. They also even if I came up with the money to pay them back on Monday, they would foreclose on me. 
XXXX I called XXXX again and they said they had been in contact with Village Capital, but they did not care. Village Capital told XXXX that they DENY receiving the money because " I had vacated the property and was no long owner occupied '' That was a LIE! I have proof-pictures of all my rooms in my home with stuff in them and I held up a newspaper to date stamp my proof. In fact, as of today, I still occupy the property and they are aware because they took me to court to try to get me evicted. The XXXX has shown almost XXXX complaints against Village Capital in the past few years, and XXXX complaints in the last few months. Why can Village Capital get by with this? I have a USDA guaranteed loan and they will get XXXX % of their money back and they get to sell my home for more money ... isn't that double dipping? I am a hardworking man and I want to keep my home! Why won't anyone make Village Capital do their job and be honest about it?? Please help me set things right! I have been working with a XXXX lady ( XXXX XXXX XXXX who can testify for me if necessary! Village Capital needs to RESCIND the foreclose and stripped of their Certifications to do USDA Guaranteed loans forever! That is criminal what they are doing!! 
XXXX They foreclosed on my home. This is not right!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: MOHELA
State: MI

Complaint narrative:
Hello, My loans were transferred from XXXX to MOHELA on XX/XX/XXXX. I wasn't notified that my loans were being transferred until I received a message from MOHELA on XX/XX/XXXX. Before my loans were transferred, I had made a payment of {$480.00} to XXXX towards XXXX XXXX XXXX on XX/XX/XXXX. Of the {$480.00} payment, {$3.00} was applied to interest, and {$470.00} was applied to the principal. Previously, the balance on XXXX XXXX had been {$1800.00}. After the {$480.00} payment, the new balance was {$1300.00}. The problem is that the loan balance in MOHELA ( listed as " XXXX XXXX '' instead of " XXXX XXXX '' ) does not reflect the {$480.00} payment, even after 235 days of waiting. I have screenshots of the {$480.00} payment confirmation on XXXX 's website, as well as the {$480.00} debit in my checking account with XXXX XXXX XXXX XXXX. My checking account statement reads that this transaction was completed on XX/XX/XXXX, the same day the loans were transferred. Where did that {$480.00} go? 

I have spent hours on the phone with both companies. XXXX responded to a CFPB complaint made in XX/XX/XXXX, and after talking on the phone with multiple supervisors, it was finally confirmed that the {$480.00} had been sent to MOHELA, and that I would have to discuss the matter further with them. During a phone call with a MOHELA representative on XX/XX/XXXX, I was told that the representative could see that my {$480.00} payment was made, but that it would take 90 business days to mature and be applied from the day of that phone call. 90 business days after XX/XX/XXXX was XX/XX/XXXX. XXXX additional business days have passed since then, and there is still no sign of the {$480.00} payment having been applied to XXXX XXXX. 

When can I expect this discrepancy to finally be resolved? MOHELA 's customer service has been comically abysmal. I've had my call dropped on multiple occasions after asking to speak with a supervisor. Who can I talk to, so that my {$480.00} can either be refunded to me or finally applied to XXXX XXXX as intended nearly over 7 months ago? MOHELA 's incompetence has been absolutely bewildering to me. How long until a class action lawsuit is brought up for malicious incompetence and mishandling of borrower money? 

Thank you, XXXX 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 2024-06-03 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
1. Incorrect credit reporting regarding LVNV Funding LLC ( original creditor : XXXX XXXX 2. Incorrect credit reporting : XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) Note : Both were disputed but the credit bureaus failed to put that it was disputed under FCRA laws. They reported disputed by individual therefore this was incorrectly disputed and after contacting them they would not provide any further explanation nor information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-03 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: CA

Complaint narrative:
I have identified unauthorized inquiries 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 2024-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Someone without my knowledge used my identification and took XXXX dollars from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: GA

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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