vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 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: MN

Complaint narrative:
I observed on my transunion credit bureau report that there was a fraud unauthorized account that appeared on my credit report with a company called XXXX XXXX. I contacted Transunion multiple times and they are not in compliance with FCRA.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts, which hurts me to request some credit, I would like it to be removed

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: AL

Complaint narrative:
I am listed as the Guarantor on my daughters XXXX loan from Sallie Mae. My daughter is the Payor and when shes late on her payments it is wrongly reflected on my credit report. Ive guaranteed the loan and am not responsible for monthly payments. My daughter makes the monthly payments faithfully but sometimes late. To negatively report my performance on this account as delinquent is not true. Actually, the loan is being paid off ahead of schedule and better than most XXXX loans for many years. The only time Sallie Mae can accurately report my personal performance on this loan as delinquent is when or if I fail to guarantee repayment NOT for late payments. If Sallie Mae chooses to foreclose on this loan then I am responsible for full repayment. Sallie Maes derogatory report on my credit standing with regards prompt payments is erroneous and has most recently created issues for me with regards obtaining a desirable interest rate. Im doing my job by ensuring that my daughter will not default on this loan, but I am not responsible for making sure her payments to Sallie Mae are on time. Sallie Mae is hurting my reputation without any due process and unfairly representing the facts. They make more money when my daughters payment is late and they will be paid the full amount much sooner than demanded. When I reported this to XXXX they took numerous notes, but the answer that came back only restated that the information is correct. Thats not the point of the dispute. Only the Payor can be held accountable for timeliness of payments and not the Guarantor. The Guarantor guarantees that the loan will be paid and by definition only takes action as a final resort and only at the request of Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
The response to complaint XXXX on XX/XX/XXXX from Freedom Mortgage was that they admitted they made a mistake and would match the original terms and have the document overnighted to me within 7-10 business days. I haven't received the contract and my home is in foreclosure and the only reason it hasn't been foreclosed on is that the VA has put a freeze on foreclosures until XX/XX/XXXX. 

I'm about to list my home for sale, out of necessity, to avoid foreclosure so that I can capitalize on the equity in my home.

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 2024-05-04 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: OH

Complaint narrative:
I didn't authorize them, and I have no knowledge about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I didn't authorize them, and I have no knowledge about them.

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 2024-05-04 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: OH

Complaint narrative:
I didn't authorize them, and I have no knowledge about them.

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 2024-05-04 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: Aargon Agency, Inc.
State: NM

Complaint narrative:
AARGON COLLECTION AGENCY has failed removed the false information they have reported on my credit reports. Pursuant to 18 USC 81 8. I owe no debt. The company is violating my consumer right to privacy pursuant to 15 UFC1681 b. Company has also NO permission to report anything using my information pursuant to 15UFC 1681 4. According to the FRCA 15 USC 1681everthing must be 100 % accurate. They have also updated my credit report with inaccurate information an improper investigation of added account. Have not provided No proof of Alluded collection so should not be reporting the false information they have reported to all three credit burews. Have also failed to remove account from all my credit reports as I requested several times.

They have also broken numerous laws as listed below : 1. Investigative consumer report 2. Improper investigation of disputed account ( AARGON COLLECTION AGENCY ) 3. PROVIDE PROOF OF VALITATED ALDEGED DEBIT 4. REPORTING INACCURIATE INFARMATION ON COSUMER CREDIT REPORT 5. INPROPER USE OF CREDIT REPORT 6. VOLATION OF THE FAIR CREDIT REPORTING ACT 7. VOLATION OF THE FAIR DEBIT COLLECTION PRACTICES ACT 8. DEFAAMATION OF CHARACTER

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 2024-05-04 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: AL

Complaint narrative:
I am listed as the Guarantor on my daughters XXXX loan from XXXX XXXX. My daughter is the Payor and when shes late on her payments it is wrongly reflected on my credit report. Ive guaranteed the loan and am not responsible for monthly payments. My daughter makes the monthly payments faithfully but sometimes late. To negatively report my performance on this account as delinquent is not true. Actually, the loan is being paid off ahead of schedule and better than most student loans for many years. The only time XXXX XXXX can accurately report my personal performance on this loan as delinquent is when or if I fail to guarantee repayment NOT for late payments. If XXXX XXXX chooses to foreclose on this loan then I am responsible for full repayment. XXXX XXXX derogatory report on my credit standing with regards prompt payments is erroneous and has most recently created issues for me with regards obtaining a desirable interest rate. Im doing my job by ensuring that my daughter will not default on this loan, but I am not responsible for making sure her payments to XXXX XXXX are on time. XXXX XXXX is hurting my reputation without any due process and unfairly representing the facts. They make more money when my daughters payment is late and they will be paid the full amount much sooner than demanded. When I reported this to Experian they took numerous notes, but the answer that came back only restated that the information is correct. Thats not the point of the dispute. Only the Payor can be held accountable for timeliness of payments and not the Guarantor. The Guarantor guarantees that the loan will be paid and by definition only takes action as a final resort and only at the request of 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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a current credit card account with CapitalOne that I had for many years. The card, card balance, available credit, and payment history are not showing on any of the 3 credit bureaus ( XXXX, XXXX, and XXXX ). I reached out to CapitalOne and they said they have been reporting the card. I reached out to XXXX but they could not help me with any useful information and instead tried to sell me paid membership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a current credit card account with XXXX that I had for many years. The card, card balance, available credit, and payment history are not showing on any of the 3 credit bureaus ( XXXX, Equifax, and XXXX ). I reached out to XXXX and they said they have been reporting the card. I reached out to XXXX but they could not help me with any useful information and instead tried to sell me paid membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Thousands of students were scammed by XXXX into taking out predatory private loans to attend for-profit online schools such as the one I attended, The XXXX XXXX of XXXX. The XXXX XXXX of XXXX was investigated by the attorneys general of XXXX, XXXX, and XXXX, Because of the numerous claims of fraud and misconduct perpetrated by these online for-profit schools, such as The XXXX XXXX of XXXX, I was able to file a Borrower Defense XXXX XXXX the Dept. of XXXX against The XXXX XXXX XXXX XXXX and my Fed. loans are now eligible for discharge and my credit is being repaired. My XXXX XXXX XXXX was also part of the XXXX  Vs. XXXX settlement for which I was a full class member. 

I am aware that XXXX  was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient XXXX XXXX XXXX XXXX '' lending company in a " deal '' with these schools during the early XXXX. These private loans with a high risk of default were part of a package deal offered to " for-profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least XXXX for-profit online schools. After the XXXX settlement, didn't XXXX  also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MO

Complaint narrative:
My student loan debt has been forgiven via the Public Service Loan Forgiveness program since XX/XX/2024. But the loans still show up as unpaid on my credit reports ( according to 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 2024-05-04 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/2024 Amount : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Since XX/XX/2023, my payments have been accurately allocated and I have called numerous times every month, including today, to get a complete review of my account. 

I was told the request has been submitted, but I have not received a response on findings, and I am still incurring erroneous interest charges. 

I am not able to speak to supervisors as I am told they are not available and there is no callback option. 

I have put together the attached file based on my statements.

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 monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Bank in 2015 my old mortgage servicer reported a delinquency of a payment. But the mortgage has been transferred over 6 months previously to a new mortgage servicer. I disputed it with Experian, they claim to validated the information, but never provide any proof ( documentation ) from XXXX of this validation.

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 2024-05-04 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: LA

Complaint narrative:
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX0} Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$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 2024-05-04 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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:
These inquiries were made without my consent, and I have no knowledge of them. Please have them removed.

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

Complaint narrative:
While reviewing my credit report recently, I noticed discrepancies in the reporting of an account. Surprisingly, one payment was marked as late on an account that I diligently paid on time. It's imperative that consumer reporting agencies maintain accurate records. I can affirm that this account has consistently been punctual with payments. Enclosed is a copy of my report with the date in question : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/24 - Inaccurate late payment Date I respectfully request your immediate investigation into this matter and urge for the prompt correction of these inaccuracies. This payment was paid on time and should be updated to reflect as such - paid on time/never late. Your attention to this issue is greatly 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 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I opened a checking and savings with XXXX bank in around XXXX or XXXX because I wanted to close my other bank accounts ( other bank is not relevant ). I went with XXXX because Ive been using their credit card for a couple years and after some research, seemed like they were a good fit. I waited to close my other bank accounts until I was allowed to use XXXX at XXXX ( there is a waiting period of 60 days before you can use XXXX ). As soon as I was able to use XXXX, I closed my other accounts and transferred everything I had into my XXXX accounts. A couple days after I did that ( today, XX/XX/year> ), I open my XXXX app and see that my accounts are just closed due to suspicious activity. I check my money daily, and yesterday everything looked normal to me so Im not sure what it was. When I called about it the first time, they just told me that they could not give out that information and that they just decided to close it. No further information. I called again later on in the day to try again, and they told me about the same thing : that there is nothing I can do and they will just send my money to me in XXXX days. No reason for it once again. This puts me in a struggle since that is all my money and I cant even move it into a different bank account if I wanted to. They gave me no warning and they never reached out to ask me about any questions they had. If I didnt mention it before, this was both my savings AND checking account. I have no money at all right now because of them and it doesnt feel fair to me, especially since they never called me about it and I really have no idea what I did wrong. Now XXXX told to just wait for my money and re apply.

Company response to consumer: Closed with non-monetary relief