vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: OH

Complaint narrative:
Account Details : Creditor : XXXX Account Number : XXXX This account has undergone multiple transfers of ownership, leading to confusion and, ultimately, the initiation of legal action against me by XXXX & XXXX XXXX XXXX However, I would like to bring to your attention that the case ( XXXX XXXX XXXX Case No : XXXX ) was dismissed with prejudice on XX/XX/2024. The dismissal indicates that no evidence was found to establish my ownership of the alleged debt. 

Given the legal resolution and dismissal with prejudice, I insist that XXXX immediately removes this account from my credit report. The lack of evidence supporting my responsibility for the debt is a clear indication that the reporting is inaccurate, misleading, and harmful to my creditworthiness. I kindly request that XXXX conducts a thorough review of the documents uploaded, it verifies the dismissal of the case with prejudice, and promptly removes all associated negative information from 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 non-monetary relief
Consumer complaint received 2024-01-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Account Details : Creditor : XXXX  Account Number : XXXX This account has undergone multiple transfers of ownership, leading to confusion and, ultimately, the initiation of legal action against me by XXXX & XXXX XXXX XXXX However, I would like to bring to your attention that the case ( XXXX XXXX XXXX Case No : XXXX ) was dismissed with prejudice on XX/XX/2024. The dismissal indicates that no evidence was found to establish my ownership of the alleged debt. 

Given the legal resolution and dismissal with prejudice, I insist that XXXX immediately removes this account from my credit report. The lack of evidence supporting my responsibility for the debt is a clear indication that the reporting is inaccurate, misleading, and harmful to my creditworthiness. I kindly request that XXXX conducts a thorough review of the documents uploaded, it verifies the dismissal of the case with prejudice, and promptly removes all associated negative information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Account Details : Creditor : XXXX Account Number : XXXX This account has undergone multiple transfers of ownership, leading to confusion and, ultimately, the initiation of legal action against me by XXXX & XXXX XXXX XXXX However, I would like to bring to your attention that the case ( XXXX XXXX XXXX Case No : XXXX ) was dismissed with prejudice on XX/XX/year>. The dismissal indicates that no evidence was found to establish my ownership of the alleged debt. 

Given the legal resolution and dismissal with prejudice, I insist that XXXX immediately removes this account from my credit report. The lack of evidence supporting my responsibility for the debt is a clear indication that the reporting is inaccurate, misleading, and harmful to my creditworthiness. I kindly request that XXXX conducts a thorough review of the documents uploaded, it verifies the dismissal of the case with prejudice, and promptly removes all associated negative information from 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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hello, my name is XXXX XXXX. I was a victim of fraud, and am contacting again regarding a {$9100.00} check request I made from my closed Stash investment account that was issued back in XXXX XXXX XXXX and drawn on 53rd bank. I didn't received the check, because it was sent to my previous address, so when I contacted XXXX, I was told that the check has been fraudulently deposited by someone I don't know. I requested a stop payment and a return of my funds, and I was told that they're working on it. After that, I contacted XXXX again for my funds, I was told that my XXXX account was already closed, that the returned funds were unable to settle back into my closed XXXX account, and that the funds were returned back to the originating bank. Since last XX/XX/ I've been on this matter. Around XXXX last year, I was sent a fraud packet kit from XXXX with 53rd bank on it to fill out and notarized. I did everything as instructed and mail it to XXXX XXXX XXXX which is XXXX XXXX assets Custodial. Few days later, I was provided with case number. Since last year XXXX, I have not yet received any valid update regarding my funds from XXXX Investment or XXXX XXXX XXXX and even 53rd bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: VA

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying aI recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you.

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 2024-01-30 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: VA

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying aI recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you.

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 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Approximately XX/XX/XXXX I made my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment as two separate payments. The first payment was for {$4300.00}, but after receiving my statement, I realized my payment had increased and sent in another payment of {$90.00} to cover the remaining part of XXXX XXXX payment. I noted on the coupon and checks that nothing was to be applied to fees or principal. 
The bank on XX/XX/XXXX processed my payment by applying funds of {$1400.00} to the XXXX payment, {$14.00} applied to fees and {$2800.00} applied to additional principal. My last payment of {$90.00} on XX/XX/XXXX was applied to fees. 
On XX/XX/XXXX, I called and advised of the misapplied payments and spent over XXXX minutes with a XXXX who said she opened a ticket to apply the payments correctly. I followed up on XX/XX/XXXX via phone and opened a ticket on XX/XX/XXXX with their online help center. I called again on XX/XX/XXXX via phone and the online center and was advised that they were already in the process of fixing the payment errors. 
I have made additional inquiries via email, phone and tickets but have not had this issue resolved. My mortgage is now reporting over 30 days past due and late fees have been applied to my mortgage, even though my next payment due should be XX/XX/XXXX. 
They never replied to my emails sent on XX/XX/XXXX or XX/XX/XXXX. They have exceeded the original 10 days promised to fix the next 15 days, 30, and 45 days from my original inquiry on XX/XX/XXXX via phone or the written request of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
My online account with Edfinancial says that I owe {$0.00} and I do not have a due date. They have not sent me any statements in the mail or published any statements online for me. 

I have recieved pdfs with my monthly payment amounts stated directly in the inbox controlled by the US dept of education. This inbox link is buried deep in the Edfinancial site and is hard to navigate to. Edfinancial has sent me no instructions on this, I found it on my own. My Edfinancial web portal has not been updated to reflect any of this information within the pdfs. I have been making manual payments based on the PDF info, but the web portal still reflects no due dates and a due amount of {$0.00}. This feels misleading. 

I have not recieved any formal payment reciepts from Edfinancial, and I am unable to properly print my payment history ( all that shows up in the print function is the date and total payment, not which loan it was applied to ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: KY

Complaint narrative:
I have submitted official documents that verify my public safety employment. I have submitted these documents several times. I have observed on the portal that my employers have not been verified even though I have submitted the proper paperwork. I have called the Mohela customer support several times. Each time after waiting over 30 minutes I am disconnected. I have informed customer support about this issue has not been fixed. Mohela is negligent in customer support. With Mohela not assisting in this issue it is negligently costing me income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from 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 2024-01-30 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: IL

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

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 2024-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
I originally made a purchase at XXXX XXXX for XXXX amount. And i went in at XXXXcst stood in line until everyone was checked out. XXXX XXXX stated there was a problem with the payment ( at the time it had came out of my bank account & i still had an extra over $ XXXX ). I called my bank at XXXX cst to verify as to why my payment was popping up with a problem. They asked me to verify the purchase amount just to make sure we was talking about the same transactions. So i went to the app and immediately noticed {$4400.00} on pay anyone to XXXX  XXXX XXXX XXXX csg and another payment sent to XXXX  XXXX for {$490.00} done XXXX XXXX cst I told them i didnt do these transactions. They told me i had to because theres no way they can do it. but i was in line at XXXX XXXX not even on my phone paying attention to my surroundings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis continues to report inaccurate information. My name is XXXX XXXX there are no other names I am known by. My address is XXXX XXXX XXXX XXXX, GA XXXX this is my only residential and mailing address any other address is inaccurate and not deliverable by the United States Postal Service. As a reseller of consumer information LexisXXXX is required by federal law to maintain accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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 have been a victim of 18 U.S. Code 1028A - Aggravated identity theft. I have included proof of my claim. I would like the listed accounts blocked from my credit file 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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Debt was charged off 2018 and company is still reporting

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 2024-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX and she inquired about my situation and asked which option would I like to take care of the 3 months. I opt 'd for the 3 months to be placed at the end of the loan. XXXX stated she would send me the documentation and I needed to provide it within 30 days. It has been 2 weeks and I have not received any documentation. On XX/XX/XXXX - I contacted my lenders loss mitigation department and spoke to XXXX. She informed me that I would not be receiving such documentation until after the forbearance expired. I explained to her per section 9 of the agreement that would make me ineligible for any loss mitigation options if the agreement expires. Additionally - that would cause a negative reporting on my credit afterwards. The representative stated that is their process and when I advised that would mean they are breaching their own contract and jeopardized my credit. She stated I can attempt to request for it to corrected after the fact. I asked for a supervisor and she told me one was not available and to email them. I am concerned because the lender has numerous negative reviews on deceptive practices. I have adhered to and complied with the terms of the forbearance and the lender should as well. That includes them providing me with the required paperwork and processing it in a timely manner. Not waiting until after my agreement expires to then demand total balance due and effecting my credit report. I informed all representatives I spoke with this month that I WOULD BE resuming my payments on XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: TN

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have identified a discrepant late payment account on my credit report. I would appreciate your assistance in reporting and correcting this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The amount was roughly {$620.00} for an online XXXX for an in-store pick-up. Filed a fraud claim with my bank Fifth Third Bank. My claim was denied because XXXX said XXXX XXXX told them it was a valid transaction. Of course it was a valid transaction... someone used my credit card information and purchased something and the charge went through... BUT I DIDNT MAKE A PURCHASE AT XXXX XXXX or XXXX

Company response to consumer: Closed with explanation