vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been paid in full but you still have a report saying i owe {$1300.00} which is not true account current balance at {$00.00} contact XXXX XXXX XXXX  and verify this information. account payment reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account has been paid in full but you still have a report saying i owe {$2700.00} which is not true account current balance at {$00.00} contact bank and get accurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been paid in full but you still have a report saying i owe {$100.00} which is not true account current balance at XXXX contact bank and get accurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-05 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: CT

Complaint narrative:
I don't care about these inquiry and I didn't approve of them. I demand that they be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: AZ

Complaint narrative:
My understanding is that FCRA 605B necessitates the removal of any incorrect entries from my credit report. Could you please examine the documents? A few of the listed accounts are inaccurately reported in terms of amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: PA

Complaint narrative:
Timely payments have consistently been upheld on this account, ensuring they never lapse into overdue status. The rationale behind reports of late payment remarks on my accounts XXXX me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
reported inaccurate info

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: VA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Can you verify the paperwork? Several of the documented accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2024-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I pay our mortgage to lender Mr.Cooper since XX/XX/XXXX after being switching from lender XXXX XXXX Mortgage. I believe this transition marked our mortgage reached 20 % ; however, none of them notified us how far or how many percentages we pay off the loan at the time. 
By XXXX or XX/XX/XXXX, our PMI should have been removed and in XXXX 's policy indicates that PMI will be removed automatically by them when we paid down 78 % of the loan. We assumed they would remove PMI for us based on their policy. However, they continued to take PMI We still continued to pay PMI until XX/XX/XXXX with amount of {$100.00} each month ( from XXXX XXXX XX/XX/XXXX ). When I called Mr Cooper to cancel PMI in XX/XX/XXXX and requested the refund of what we overpaid since XXXX or XX/XX/XXXX. They blamed on the investor Fannie Mae who took our PMI and disbursed only {$28.00} of XX/XX/XXXX payment. 
My email to Mr. Cooper was ignored since XX/XX/XXXX. 
I contacted XXXX XXXX on XX/XX/XXXX and they blamed on the payment service- Mr. Cooper XXXX they took my PMI. 
I request CFPB to protect me from the intentional XXXX PMI of either Mr. Cooper or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-04-05 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:
Hello, there is a fraudulent account on my credit report. A collection account under the name of XXXX XXXX XXXX with an account number of XXXX, the debt was bought from XXXX XXXX XXXX. I have never lived at XXXX XXXX XXXX. It is shown as a joint account with XXXX XXXX, I do not know this person. I contacted the collection company and the credit bureaus immediately at the realization that my identity has been stolen. After painstaking efforts and a lot of time spent on trying to get my case heard, they have refused to give me the justice I deserve as a victim of identity theft. I am trying to buy a house, this fraudulent account has totally destroyed my credit score and the dream of finally becoming a home owner. Due to lack of knowledge on how these things work, I accepted an offer for a settlement with the collection company hoping that this fraudulent account be removed from payment. But it is still appearing on my credit report, now not only I paid for the debt that was a product of identity theft, this fraudulent account is still damaging my credit score. It is my last hope that CFPB can assist me in removing this fraudulent account from my credit report and make things right.

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 2024-04-05 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: TX

Complaint narrative:
Sale contract from XXXX XXXX has continued to report monthly a balance that continues to increase on a closed account. Ive never made any payments to them but it reports that I have. Their court case was dismissed for illegally selling the contract and yet XXXX and Transunion continues to report. Ive disputed several times and they mentioned it was verified but I have not document showing how or through who the information was verified. The original contract was XXXX for a total {$1600.00}. As of today there is a balance reported of {$2200.00}??? XXXX XXXX has refused to tell me where the accumulation is coming from. I will provide all the paperwork I have to help I just dont know what to do as Im getting the run around about how to fix this. I did some research and found that it appears to be illegal soliciting where they knocked on my door to sell a vacuum initially I accepted but declined the next day. I still have the brand new vacuum as I told the courts and XXXX has not come to retrieve it the same way the brought it to me. Any real help would be appreciated.

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 2024-04-05 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: TX

Complaint narrative:
Sale contract from XXXX XXXX has continued to report monthly a balance that continues to increase on a closed account. Ive never made any payments to them but it reports that I have. Their court case was dismissed for illegally selling the contract and yet Experian and XXXX continues to report. Ive disputed several times and they mentioned it was verified but I have not document showing how or through who the information was verified. The original contract was XXXX for a total {$1600.00}. As of today there is a balance reported of {$2200.00}??? XXXX XXXX has refused to tell me where the accumulation is coming from. I will provide all the paperwork I have to help I just dont know what to do as Im getting the run around about how to fix this. I did some research and found that it appears to be illegal soliciting where they knocked on my door to sell a vacuum initially I accepted but declined the next day. I still have the brand new vacuum as I told the courts and XXXX has not come to retrieve it the same way the brought it to me. Any real help would be appreciated.

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 2024-04-05 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: CA

Complaint narrative:
I did not authorize these bankruptcies. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MT

Complaint narrative:
In XXXX of XXXX I submitted a PSLF form to MOHELA because I believed I had reached the qualifying number of payments. In XXXX of XXXX I noticed the form had vanished from their website. I called and they said they had no record of the document ever being submitted and to try resubmitting. 

I resubmitted a PSLF form on XX/XX/XXXX. The website said it was received and processing. I called several times to verify the status and was told every time that it looked good and just to wait. Until I called XX/XX/XXXX, when they informed me that they had rejected it months ago because of an e-signature on the document. I had received no communication about this rejection. They told me to resubmit the document. 

I faxed the documents on XX/XX/XXXX. I called two business days later and they said the documents were received and being processed. They also showed up on the website as being processed. 

I called twice just to check on things, and was told each time things were fine and I just needed to wait. 

I got a bill on XX/XX/XXXX and called on XX/XX/XXXX to check on the status. The first person I talked to hung up on me. The second took two hours to tell me everything was fine and she was going to put the loan back into forbearance. 

I checked the status of the loan on XX/XX/XXXX and it was not in forbearance. I called again and they informed me that they once again have no records of the paperwork I submitted in XXXX and I have to resubmit again. She offered to transfer me to a supervisor but hung up on me instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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:
These inquiries must be taken off, as I am unaware of them and they were conducted by the company without my approval.

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 2024-04-05 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:
FCRA 605B, as I understand it, obliges us to eliminate any erroneous entries from my credit report. Would you mind reviewing the documentation? Some of the accounts listed show inaccuracies in reporting, with incorrect amounts and dates.

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 2024-04-05 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:
My understanding is that FCRA 605B necessitates the removal of any incorrect entries from my credit report. Could you please examine the documents? A few of the listed accounts are inaccurately reported in terms of amounts and dates.

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 2024-04-05 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-05 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to formally request the removal of the collection entry on my credit report associated with account number XXXX which I am not aware of and I don't owe. The details of the account are as follows : Date of Collection : XX/XX/year> Creditor : GENESIS CREDIT MANAGEMENT I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that the information reported is inaccurate. I don't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
We are going through a financial due to medical reasons. On XX/XX/24 I called Capital one to see about a balance liquidation program or to get our interest rate lowered. Talked to XXXX XXXX, they only offer interest rate reduction when an offer is available. We have never received such an offer in all the years we have been with Capital One. The only offer he had was to waive any late fees for 3 months which is no benefit to us. We still remain with the same monthly payment as well as the 30 % interest. They are not out to help the customer at all. We have never asked for help in the past, have always made payments on time. Yet we get hit with higher interest rate.

Company response to consumer: Closed with explanation