vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: PA

Complaint narrative:
Today I noticed that there are unauthorized inquiries on my credit report, and I dont understand why theyre there. My credit report usually looks fine, but this time its showing errors that werent there before. Refreshing the browser didnt help, and I am really frustrated. Please review the documents Ive sent thoroughly so this problem can be resolved for good.

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 2024-10-03 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
A company was conducting business fraudulently and I submitted a fraud claim on the card for the total amount of {$14000.00} which occurred between the months of XX/XX/year> - XX/XX/year>. These are the dates and amounts of the charges on my card XX/XX/year> - {$690.00} ; XX/XX/year> - {$2100.00} ; XX/XX/year> - {$2100.00} ; XX/XX/year> - {$240.00} ; XX/XX/year> - {$240.00} ; XX/XX/year> - {$2100.00} ; XX/XX/year> - XXXX ; XX/XX/year> - {$1400.00} ; XX/XX/year> - {$590.00} ; XX/XX/year> - $ XXXXWhen looking at my credit card statement you can see that the charges were made by 2 different merchant accounts that are also fraudulent and I did not authorize those accounts to charge my card. I am not satisfied with your responses that you gave me denying my original claims as you are not taking into consideration that this was an act of fraud and I am the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I paid this debt years ago and will not pay anymore. Like everything the government touches they screwed this up too. Garnish my wages or whatever the XXXX you want to do. 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 2024-10-02 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: GA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 in 60 days to be removed.

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.

Never Sent the periodic statement along with the disclosures from section
1637 ( b ).

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! 
Delete the late payments from my consumer reports

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 2024-10-03 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting 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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX Collection : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiries : XXXX Date of inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report, as the results of your recent investigations have not resolved the inaccuracies I identified. 

Despite my previous requests for investigation, the following information remains inaccurately reported on my credit files : - **XXXX** : XXXX - **Equifax** : XXXXXXXXXXXXXX**** I have provided documentation to support my claims, but your investigations have not been thorough, and the inaccuracies persist. It appears that due diligence was not exercised in reviewing my disputes, and I believe my rights as a consumer have not been upheld. 

I request an immediate review of this matter, including a thorough investigation into the inaccuracies mentioned above. I expect a prompt response detailing the findings of your investigation and the actions you will take to correct my credit report. 

Thank you for your attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: UT

Complaint narrative:
Since XX/XX/XXXX I have been in frequent contact with multiple MOHELA, XXXX, and XXXX  representatives trying to resolve a very pressing issue. 

On or around XXXX of XXXX my school loans were transferred to MOHELA. Prior to that my loans were serviced via XXXX. I applied for the PSLF program and unbeknownst to me out of necessity to remain enrolled in the PSLF my loans were transferred to MOHELA. Both MOHELA and XXXX failed to tell me that my loan was transferred from one loan servicer to another. So my employer sponsored XXXX XXXX monthly contributions via XXXX  were not rerouted accordingly due to MOHELA and XXXX 's negligence in informing me of the need to transfer the payments because again, no one told me that my loans were being transferred. See attachment below. 

Truth be told everyone knows MOHELA has a bad reputation. 

Fast forward to present day, XXXX and XXXX payments remain unaccounted for according to a MOHELA representative last week. XXXX adamantly state that the {$400.00} in {$200.00} increments was transferred to MOHELA ON XX/XX/XXXX and XX/XX/XXXX but your MOHELA representatives say otherwise and deny seeing the payments for XXXX and XX/XX/XXXX. I have no idea what money they have received. No receipts of payment history has been mailed to my home. I have yet to receive a single invoice or receipt they could be pocketing my money for all I know and that is very unsettling. I requested receipts for payment history for all monies received dating back to XX/XX/XXXX via XXXX and XXXX  alike. 

This mistake on the ( current ) MOHELA and ( prior ) XXXX XXXX servicers gave no other choice but to put my loans ( which would have been paid with ease by the XXXX  Employer sponsored monthly contribution of {$200.00} ) into forbearance or deferment. 

I reached out to the MOHELA OMBUDSMAN who has been playing games with me. They ask me what is a good time to talk I say XXXX on Wednesday they say great and never call. I have no direct line or means of contact to the higher echelon departments within the company. Customer service is completely unwilling to speak to or help me! 

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 2024-10-02 00:00:00
Product: Mortgage — FHA 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: CARRINGTON MORTGAGE SERVICES, LLC
State: DE

Complaint narrative:
We have a mortgage with Carrington Mortgage services. They took over our mortgage in XXXX from XXXX XXXX XXXXXXXX. Our mortgage almost doubled and we have been battling with them since to try to come to a reasonable mortgage amount. In XXXX I XXXX XXXX XXXX, and my husband XXXX XXXX so our income decreased drastically. We requested a loan modification and were granted one with even higher payments. We appealed and received another modification which was even higher. We appealed again. This was XXXX and COVID hit. We were granted a mortgage hardship and did not have to make any payments for a period of time. In XXXX Carrington put us on a payment plan which allowed us to pay {$790.00} a month for XXXX XXXX and they would reconsider us for another modification again. In XXXX after XXXX XXXX was up, they gave us another modification and the payments were even higher. We explained we could not afford these payments and requested them to offer other alternatives which we were told there were no other alternatives but to come up with the back payments owed and then our mortgage would not go any lower. They claimed it was not a Carrington decision but it was XXXX who was enforcing this decision. I do not believe XXXX would do this to us and force us out of our home. I know it is XXXX 's goal to keep the homeowner in their home, so Carrington is trying to get out of it by passing the blame. 
I am submitting this complaint because I feel there is something that can be done for XXXX who have lived in their home for XXXX XXXX and the home should be paid off, but because the banks were in trouble, we got caught up in their mess and now we are the ones who suffer while they were bailed out with millions of dollars. 
We have offered to make payments, actually since XXXX, I have been sending payments of XXXX and for XX/XX/XXXX, I sent them {$2000.00}. We were told the payments were not going to be accepted but I have only received one check back as of date. 
Please if there is any help available, please help. We are not in any condition at this point in our lives to leave our home and we are willing to make payments, just not {$3800.00} per month. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've noticed incorrect information on my credit report, which is governed under 15 USC 16c-2. This misinformation is affecting my credit score, and I did not authorize the inquiries listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transform Credit Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Transform Credit IncXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Transform Credit I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
DEPT OF EDXXXX, XXXX Date opened : XX/XX/XXXX Original balance {$3500.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$3600.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$1000.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX XXXX Original balance {$2200.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened XX/XX/XXXX XXXX Original balance {$2000.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$1700.00} Status : Closed Status : updated XX/XX/XXXX They have and /or are continuing to violate my rights.

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 2024-10-02 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: PA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-10-02 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: FL

Complaint narrative:
I have discovered inaccuracies on my credit report that fall under 15 USC 16c-2. The information is incorrect and is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: PA

Complaint narrative:
I was absolutely stunned this morning when I saw inaccurate accounts on my credit report, and I have no clue how this couldve happened. I checked my credit report like I always do, but this time there were errors out of nowhere. I even refreshed my browser hoping it was some kind of glitch, but unfortunately, it wasnt. The wrong accounts were still there after refreshing. This whole experience has me deeply concerned, and I am urgently requesting that the documents Ive provided be thoroughly reviewed so I can finally stop worrying about this nightmare.

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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
ON WEDNESDAY, XX/XX/2024, BANK OF AMERICA OUTAGE ISSUES.

I HAD NO ACCESS TO MY VARIOUS CHECKING ACCOUNTS. 
I WAS UNABLE TO SPEAK WITH A BANK OF AMERICA REPRESENTATIVE. 
CALL WAS HUNG UP. 
I HAD NO ACCESS TO BANK OF AMERICA.

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 2024-10-02 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: GA

Complaint narrative:
I have been a victim of identity fruad since XXXX. Towards the end of every year I review my credit report just to make sure everythig is reporting accurately. I noticed that I had a hard inquiry on my report from this company. They sent me a letter asking for my drivers license and social. I declined and instead wrote them a letter XX/XX/XXXX via mail to inform them that this was fraud. I never applied to this company and I have no reason to. They fdailed to respond to me within the XXXX  days of notice. They refused to respond and kept the inquiry on all of my credit files.. I even contacted the credit bureaus about the matter and told them that I reached out to this company. My credit file reflected between XXXX and XX/XX/XXXX this inquiry was removed. Then it was placed back on my credit file which is illegal after I have communicated to them that this was fraud. I have attached the letter that was sent to them and proof of certified mail, and the letter that they sent me as well as prood that it was removed from my credit files

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 2024-10-02 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: GA

Complaint narrative:
I have been a victim of identity fruad since XXXX. Towards the end of every year I review my credit report just to make sure everythig is reporting accurately. I noticed that I had a hard inquiry on my report from this company. They sent me a letter asking for my drivers license and social. I declined and instead wrote them a letter XX/XX/XXXX via mail to inform them that this was fraud. I never applied to this company and I have no reason to. They fdailed to respond to me within the XXXX days of notice. They refused to respond and kept the inquiry on all of my credit files.. I even contacted the credit bureaus about the matter and told them that I reached out to this company. My credit file reflected between XXXX and XX/XX/XXXX this inquiry was removed. Then it was placed back on my credit file which is illegal after I have communicated to them that this was fraud. I have attached the letter that was sent to them and proof of certified mail, and the letter that they sent me as well as prood that it was removed from my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief