vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
I found fraudulent inquary in my credit report.pleae remove it. 
XXXX  XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: VA

Complaint narrative:
I am currently on the Income Driven Repayment/SAVE Plan with Mohela. My loans were placed in forbearance this summer due to the legal difficulties with the IDR/SAVE Plan. When this happened, I was told that no interest would accrue during this forbearance. Their website announcement still says that no interest should be accruing during this time. However, I got a notification on XXXX XXXX that interest would continue to accrue during my forbearance and although the interest rates on my loans still show 0.0 %, the balance continues to increase. For example, I paid off a loan in full last month ( around {$4000.00} ) and my balance was {$0.00}. Now, it is up to {$41.00} somehow. No interest is supposed to be accruing during this forbearance, as claimed by the court and Mohela themselves on their website currently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WAFD BANK
State: AZ

Complaint narrative:
Once per month I would receive a {$30.00} non sufficient fund fee with my bank for 4 months straight. I questioned the justification for the fees at the bank since no money was being overdrafted from my bank and was only told to add money to my account. In the past week since complaining about the fees I have been charged XXXX  non sufficient fund fees to my checking account and two to my savings account overdrafting my bank accounts {$110.00} for absolutely no services being rendered to my accounts. They have now taken {$230.00} in 4 months for rejecting transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2024-12-12 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-12 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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 received a copy of my credit report today and discovered a hard inquiry from several companies. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Also, my information was part of a data breach with several companies XXXX XXXX XXXX XXXX, XXXX XXXX ). 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response. 


Unauthorized inquiries : XXXX XX/XX/XXXX XXXX Employees Credit A XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-12-12 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-12 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report regarding late payments associated with my account ending in XXXX. The reported late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Dispute Inaccurate Reporting : The reported late payments are erroneous. I have been enrolled in autopay for this account and have consistently made payments on time. 
Violation of Consumer Protection Laws : The inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which mandates the accuracy of information and requires prompt correction of errors.

It may also breach the Truth in Lending Act ( TILA ) by failing to ensure accurate reporting practices. 
These inaccuracies negatively impact my creditworthiness and financial well-being, and I am requesting immediate correction to avoid further harm. 
Account Details Account Number : XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Account Status : Open Payment Status : Current Disputed Late Payments The following late payments reported by TransUnion are disputed as inaccurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attached evidence, including payment receipts and bank statements, to demonstrate that these payments were made on time. 
Requested Resolution I respectfully request the following actions : Conduct a thorough investigation into this matter, as required by 15 U.S.C. 1681i. 
Remove the inaccurate late payments for the months listed above from my credit report. 
Update my account history to accurately reflect my timely payments. 
Attachments A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of address ( utility bill or similar ). 
A copy of the affected credit report with the errors highlighted. 
Please provide written confirmation of the investigation results and corrections made within 30 days of receiving this letter, as required by the FCRA. Should this issue remain unresolved, I may pursue additional remedies to enforce my rights under federal law. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-12 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:
I've discovered incorrect billing information on my credit report, showing late payments I didn't make. Please update my account to reflect my accurate 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 explanation
Consumer complaint received 2024-12-12 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report regarding late payments associated with my account ending in XXXX. The reported late payments for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Dispute Inaccurate Reporting : The reported late payments are erroneous. I have been enrolled in autopay for this account and have consistently made payments on time. 
Violation of Consumer Protection Laws : The inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which mandates the accuracy of information and requires prompt correction of errors.

It may also breach the Truth in Lending Act ( TILA ) by failing to ensure accurate reporting practices. 
These inaccuracies negatively impact my creditworthiness and financial well-being, and I am requesting immediate correction to avoid further harm. 
Account Details Account Number : XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Account Status : Open Payment Status : Current Disputed Late Payments The following late payments reported by Equifax are disputed as inaccurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attached evidence, including payment receipts and bank statements, to demonstrate that these payments were made on time. 
Requested Resolution I respectfully request the following actions : Conduct a thorough investigation into this matter, as required by 15 U.S.C. 1681i. 
Remove the inaccurate late payments for the months listed above from my credit report. 
Update my account history to accurately reflect my timely payments. 
Attachments A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of address ( utility bill or similar ). 
A copy of the affected credit report with the errors highlighted. 
Please provide written confirmation of the investigation results and corrections made within 30 days of receiving this letter, as required by the FCRA. Should this issue remain unresolved, I may pursue additional remedies to enforce my rights under federal law. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report regarding late payments associated with my account ending in XXXX. The reported late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Dispute Inaccurate Reporting : The reported late payments are erroneous. I have been enrolled in autopay for this account and have consistently made payments on time. 
Violation of Consumer Protection Laws : The inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which mandates the accuracy of information and requires prompt correction of errors.

It may also breach the Truth in Lending Act ( TILA ) by failing to ensure accurate reporting practices. 
These inaccuracies negatively impact my creditworthiness and financial well-being, and I am requesting immediate correction to avoid further harm. 
Account Details Account Number : XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Account Status : Open Payment Status : Current Disputed Late Payments The following late payments reported by TransUnion are disputed as inaccurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attached evidence, including payment receipts and bank statements, to demonstrate that these payments were made on time. 
Requested Resolution I respectfully request the following actions : XXXXonduct a thorough investigation into this matter, as required by 15 U.S.C. 1681i. 
Remove the inaccurate late payments for the months listed above from my credit report. 
Update my account history to accurately reflect my timely payments. 
Attachments A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of address ( utility bill or similar ). 
A copy of the affected credit report with the errors highlighted. 
Please provide written confirmation of the investigation results and corrections made within 30 days of receiving this letter, as required by the FCRA. Should this issue remain unresolved, I may pursue additional remedies to enforce my rights under federal law. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-12 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: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Every month, Id tried contacting XXXX taken concerning my identity there but, I talked to a XXXX in yesterday and he didnt care and didnt want to assist. I have. Hacker that continue to take money from my escrow. My scammer is increasing my monthly mortgage and shes taken money from mortgage.

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 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I deposited a {$5000.00} personal check through mobile deposit into my checking account, they put a six day hold on my check, even though it had cleared the very next day out of the persons account who wrote the check. I called them to ask questions and they basically told me that because I had overdrafted recently that they had to put a hold on the funds regardless if they had already received the funds from the other parties bank. So theyre holding my funds because I overdrafted like Im being punished for having financial problems. Which then putting a seven day hold on my check cause me a slew of financial problems because I still havent been able to pay my rent so Im having to pay tons of late fees. This isnt the first time that theyve done this to me. Also, I have overdraft protection, so I shouldnt be overdrafting. They have let my account overdraft hundreds of dollars before I have to lock my debit card. And then they charge me {$35.00} per overdraft no matter how big or small. If the transaction doesnt go through, I dont get a refund. Providing a screenshot of the seven day hold on my funds, the account was overdrawn XXXX or so dollars when deposited.

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 2024-12-12 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: TX

Complaint narrative:
My credit report contains unauthorized hard inquiries, violating 15 USC 16c-2. These errors are damaging my credit score ; please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I did not consent, or benefit, or authorize any of the following accounts : XXXX XXXX- {$770.00}

Company response to consumer: Closed with explanation