vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. I have attached several documents for your review showing that the credit reporting agency are violating my consumer protection rights by reporting Fraudulent/ Incomplete & inaccurate information in my consumer report. Please see attached.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/1982 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2024-06-25 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: NE

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 months there are late payment remarks 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I applied for a consolidation of all of my loans with the XXXX XXXX XXXX prior to the XX/XX/year> deadline. In that application, I added all my loans. Some of my loans that are serviced with MOHELA were denied with reason being in school status. 

I graduated from XXXX XXXX XXXX XXXX on XX/XX/year>. My XXXX XXXX that I received in the mail has an issuance date of XX/XX/year>. The registrars office at the school informed me that my status of graduated and completed has been in the system since XX/XX/year>. 

I sent another application to add the more recent MOHELA loans to XXXX. Those loans were denied again because of in school status. Ive contacted MOHELA about this issue a few times. One representative told me that I had no recent loans with them besides the one already consolidated which they are servicing. 

I believe all of my loans are now eligible for consolidation. I am requesting that MOHELA send accurate information about the status of my current unconsolidated loans to XXXX. This will allow all of my loans, both past and present to be consolidated into one loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2024, I sent money, {$1000.00} from my Bank of America account to my home country, XXXX through XXXX XXXX. This was not my first time of sending money and through this App. Then on XX/XX/2024, I saw another deduction of the same amount only that I did not make any authorization on this day. I checked my statement and saw that BOA claimed it was sent on XXXX, XXXX. I immediately called XXXX XXXX  to complain but was told that the issue was from my bank. That my bank will refund it. I called Bank of America to report that I did not authorize the said transaction and they said they will investigate. Came back like about 3 weeks after to tell me that I or someone who has access to my account made the transaction to XXXX. I immediately debunk such lie because, first BOA claimed it was sent through XXXX XXXX, but this transaction was not in the transaction history sent to me by XXXX XXXX. Secondly, every of my transaction has both sender and receiver 's information which is not in this case. And I tried clearing this with BOA that this fraud was originated from their bank, but because I am just XXXX person, I can't fight institution. Transaction history and all emails sent to me from XXXX XXXX  are my evidence that this did not come from them but from BOA. They now said they will deduct {$1000.00} from me in XXXX which I know it's nothing but cheating.

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 2024-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AXOS FINANCIAL, INC.
State: CO

Complaint narrative:
I have called many times to make additional payments on our mortgage and the online system only lets you make one payment every 30 days ( I screenshot the error you get below ). So if you needed to make a partial payment the system will not let you nor will it let you make additional payments. When you call Axos Bank you get transferred quite a few times to then finally get someone in mortgage department and if you have any partial or additional payments they make you mail it in to an address that is not on there website and you have to call to get the address also if you were having financial issues you can not make a partial payment on the online system. Also I can not go to my bank in town to pay my mortgage because it is not located in my town it is XXXX away from my house. So my only options are to mail or pay on the online system once every days to me if I want to make payments on the XXXX and XXXX of each month I should be allowed no matter the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
In addition to a hand full of FDCPA violations, Conserve claimed they will close their account with me and transferred it back to the creditor after being unable to verify this alleged debt. However, when I got in contact with the alleged credit, it still says the account is with Conserve. This company has lied to me multiple times regarding this alleged debt and now they can't even do the bare minimum and delete my account as they said they would. Delete my account immediately Conserve. Provide me a copy of such deletion request AND send another email and cc me into the email you send requesting the deletion because I do not believe anything that comes from this company after catching them in multiple lies. I need first hand proof of account deletion requestion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
XXXX XXXX for their product/service in full on XX/XX/XXXX. XXXX filed for Chapter XXXX bankruptcy and shut down their XXXX XXXX XXXXn XX/XX/XXXX. I never received the product/service that I paid for. After finding this out, I made several attempts to contact the business to get my money back and was not able to get in touch with anyone. I then reached out to my credit card company, Citizen 's Bank, and filed a Claim with them on XX/XX/XXXX and was told I would receive a call from the Claims department in XXXX to XXXX business days. I never received a call during this timeframe and did not receive any information from them via mail or email either. I then called the customer service department again ( because the XXXX 's XXXX department does not have a number to call ) on XX/XX/XXXX and was informed the " investigation '' was still ongoing and not to worry because I would not be responsible for any interest that accrued during this process. Finally received a letter in the mail on XX/XX/XXXX which stated my claim was denied because they were not able to get in touch with me. At this point, this was the first contact I had received from them. I then immediately called the customer service back and was told that they are going to reopen the claim, reassured me that I am not responsible for any interest on the account, and stated I would receive a call from the Claims department in XXXX to XXXX business days to resolve the issue. I never received the call or any other attempts to contact me. Called customer service again on XX/XX/XXXX and was transferred to the fraud department. The fraud department stated they were not able to reopen the claim and had to create a new claim for me. They also stated that I am not responsible for any interest on the account during this process and that I will receive a call from the Claims department in the next XXXX to XXXX weeks. Despite being reassured that interest will not be accruing on this account during the investigation by XXXX separate individuals, I am being inundated with calls from XXXX 's collection agents trying to claim I am not paying my bills and they filed late payment claims with the credit bureau so my partner and my XXXX XXXX 's have now significantly dropped due to this. I called customer service again on XX/XX/XXXX and was transferred to XXXX separate departments before being escalated to a manager, who told me I should expect a call from the Claims department in XXXX to XXXX business days. The same thing I have been hearing for the last XXXX months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 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: CITIBANK, N.A.
State: NY

Complaint narrative:
ive became aware of this fraudulent loans being open under my identity due to various calls this was later followed by dmv contact me about my address change which i didnt not authorize over the last few months i contacted police the credit and banks try to impose my right and have these fraudulent accounts and inqurie removed i am a victim of identity theft and have enclosed a copy of my police report/ftc/license and social security card, i am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. i have relate to any transactions that i have made therefore, i am requesting that these accounts be completely removed and blocked from my credit file. this is not a regular dispute i have filed a complaint with the federal trade commission to document to document beimg a victim of identity theft.

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 2024-06-25 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I found a fraudulent hard inquiry on my XXXX Credit file Credit Inquiry name : XXXX XXXX Date of inquiry : XXXX Please remove this from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My student loans were transferred from Nelnet to XXXX in XX/XX/XXXX. Nelnet is still showing my account status as open. In XX/XX/XXXX, I consolidated my student loans which is {$49000.00} in total. I noticed about 3 months ago that my student loan balance is duplicated on my credit report. Instead of showing {$49000.00} - it shows that I owe {$98000.00}. I have tried to resolve this issue with Nelnet who advises me to call XXXX and then XXXX advises me to call Nelnet. I have also reported this issue to XXXX in XX/XX/XXXX. In XX/XX/XXXX, XXXX stated that the student loans are being reported correctly which is false. I reported the duplication on XXXX in XX/XX/XXXX which I have yet to receive a response from. My XXXX XXXX decreased significantly and I was given a XXXX XXXX  interest on my new vehicle in XX/XX/XXXX due to the decrease in my XXXX XXXX XXXX. This is completely unfair to me. I pay my student loans on time every month and I am working towards my student loans being forgiven through XXXX. My next step after reporting it Consumer Financial Protection Bureau if this issue doesn't get resolved is to obtain an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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