vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 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:
XXXX XXXX is reporting " LOAN MODIFIED '' on my XXXX Credit Report, Transunion and XXXX which is not accurate. This is having a negative impact on my ability to apply for a credit card. I have included a screenshot of the tradeline, my most recent statement from XXXX XXXX, a complete copy of my credit report, and a copy of the decline letter from a separate creditor.

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 2024-07-31 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: TX

Complaint narrative:
XXXX XXXX is reporting " LOAN MODIFIED '' on my XXXX Credit Report, XXXX and Equifax which is not accurate. This is having a negative impact on my ability to apply for a credit card. I have included a screenshot of the tradeline, my most recent statement from XXXX XXXX, a complete copy of my credit report, and a copy of the decline letter from a separate creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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:
XXXX XXXX is reporting " LOAN MODIFIED '' on my Experian Credit Report, XXXX and XXXX which is not accurate. This is having a negative impact on my ability to apply for a credit card. I have included a screenshot of the tradeline, my most recent statement from XXXX XXXX, a complete copy of my credit report, and a copy of the decline letter from a separate creditor.

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 2024-07-31 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: CA

Complaint narrative:
I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-07-31 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: FL

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a XXXX checking account with Capital One last XXXX My employer made several direct deposits totalling close to {$4000.00} ( I don't know the exact balance because Capital One has been uncooperative about helping me log in ). I never withdrew any money at an ATM or inside the bank. I never made any charges to the account with a card. I believe it was in XXXX ( again, I can't see my statements but I know it was XXXX or XXXX ) that a bunch of unauthorized charges started showing up and I called Capial One to report them. I've been trying to get the balance back ever since and Capital One has been extremely uncooperative in helping me get the money back. The latest is they claim they closed the account and sent me a check for around {$1600.00}. I'm still mising around {$2600.00} and when I talked to someone from Capital One today they refused to forward a check for the remaining balance in the account. I need to know what to do next to put pressure on Capital One to give me all the money back that was in the account. I've been battling indentity theft issues with several credit cards and another checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: AltCap
State: MO

Complaint narrative:
I attempted to apply for a loan threw the Missouri SBA.gov loan portal. I was matched with a company by the name of AltCap from XXXX  XXXX, XXXX. I went threw they process applying for a microloan of {$10000.00} to aide in my business development and maintenance. I filled out all the required information. Providing the company threw they portal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With all the necessary information. They told me the whole process would take three weeks at the most. After a month and a half. I got an email response from the rep that was helping with the loan. This email response was sent after an email that i had sent to the company asking why did my personal and business score drop by XXXX points each. A day later i received a response saying that i was decline, they never answered why the? why my score drop so low. Just a simple email stating that i was rejected. Also i was wondering what was really going on. Because they ask for an award letter from social security along with business and personal bank statements and id such as driver license. This seem very strange to me. All the personal information is sent and didn't get a proper response. Very illegal business it looks like to me they are doing. They claim my company didn't have cash flow. If this was all that was need, would it be more important to ask for paypal statements or stock portfolios. It's not making sense to why they would ask for personal and business bank statement along with award letters. When this have nothing to do with cashflow. My business makes money. But most of our cashflow come from our own streaming service and royalties. Not personal and business statements from the bank. We been in business functioning for XXXX years without any help from any bank of private lenders. I sent them a sales report from XXXX years ago from XXXX. That should have been all that was required. This is a very sad and depressing situation. They give loans to people and companies that don't deserve just because of who they know. Rather then companies like my own that has shown, Stability and security. This was a simple attempt to figure how to crash a company like my own. But we are everlasting. Lol, XXXX years from now they'll be tryna borrow money from my company if they haven't already attempted to steal from us. XXXX XXXX XXXX, Its A Thought Process, this company i was attempting to borrow from is obviously fraudulent and obviously stealing and i just wanted to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: KY

Complaint narrative:
Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear Sir/Madam, I am writing to address the recent reinvestigation conducted by your agency regarding the inaccurate account information on my credit report that was not removed, despite clear evidence of its inaccuracies. This failure to delete the disputed account is a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act. 
Account Information : XXXX XXXX XXXX  Creditor Name : EQUIFAX, XXXX, XXXX Account Number : XXXX Date : XX/XX/2023 Amount : XXXX I have previously submitted a dispute to your agency, providing documentation supporting the inaccuracies in the above-referenced account and requesting its removal from my credit report. Despite your reinvestigation, the inaccurate account remains on my credit report, which is a direct violation of the Fair Credit Reporting Act. 
As per 15 U.S. Code 1681i ( 5 ), if the reinvestigation does not resolve the dispute, the credit bureau must delete the disputed information within five business days of completing the reinvestigation. The failure to adhere to this provision is unacceptable and has caused me financial harm and distress.

I am requesting an immediate correction to this violation, and that the inaccurate account information be promptly removed from my credit report in compliance with the law. Please provide me with written confirmation of the deletion of the disputed account and actions taken to rectify this violation.

I expect a prompt response within the required timeframe as mandated by law. Failure to comply with the Fair Credit Reporting Act may result in further action being taken.

Thank you for your attention to this matter. I look forward to a timely resolution and the removal of the inaccurate account information from my credit report.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Assistant Director of EnforcementConsumer Financial Protection Bureau1700 G. Street NWWashington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: KY

Complaint narrative:
Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear XXXX I am writing to address the recent reinvestigation conducted by your agency regarding the inaccurate account information on my credit report that was not removed, despite clear evidence of its inaccuracies. This failure to delete the disputed account is a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act. 
Account Information : XXXX XXXX XXXX  Creditor Name : XXXX, XXXX, EXPERIAN Account Number : XXXX Date : XX/XX/2023 Amount : XXXX I have previously submitted a dispute to your agency, providing documentation supporting the inaccuracies in the above-referenced account and requesting its removal from my credit report. Despite your reinvestigation, the inaccurate account remains on my credit report, which is a direct violation of the Fair Credit Reporting Act. 
As per 15 U.S. Code 1681i ( 5 ), if the reinvestigation does not resolve the dispute, the credit bureau must delete the disputed information within XXXX business days of completing the reinvestigation. The failure to adhere to this provision is unacceptable and has caused me financial harm and distress.

I am requesting an immediate correction to this violation, and that the inaccurate account information be promptly removed from my credit report in compliance with the law. Please provide me with written confirmation of the deletion of the disputed account and actions taken to rectify this violation.

I expect a prompt response within the required timeframe as mandated by law. Failure to comply with the Fair Credit Reporting Act may result in further action being taken.

Thank you for your attention to this matter. I look forward to a timely resolution and the removal of the inaccurate account information from my credit report.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Assistant Director of EnforcementConsumer Financial Protection Bureau1700 G. Street NWWashington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-31 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: TX

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below had violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer can not furnish a account without my instructions 15U.S.C 1681c.a5 Section states no consumer reporting agency may make any consumer report containing any of the following information other than records of convictions of crimes which antedates the report more than seven years.

15U.S.C.1681s-2 ( A ) 1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are 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 non-monetary relief
Consumer complaint received 2024-07-31 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are 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 2024-07-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: FIRST COMMUNITY MORTGAGE, INC.
State: MI

Complaint narrative:
In the beginning of XXXX I was pre-approved for a DSCR loan  to buy a XXXX XXXX XXXXby XXXX XXXX with First Community Mortgage after she had me pay XXXX for the appraisal. She quit she told me XXXX XXXX would be taking over, XXXX only sent 1 email then my agent and I couldn't get ahold of anyone as the closing date was approaching, XXXX XXXX said he would take over he reassured my agent everything would be fine. Then he put my file aside then after no communication for awhile My agent Called XXXX XXXX he was rude and could of cared less how long my funds were tied up or how stressful this was. He said he would fix it now that he got the file. I had to resend Paperwork in I did it and waited. 
Then we were close to closing and he put wrong loan number on something so it all had to go back to underwriter again. Long story short we went through 4 people lack of communication and putting the wrong loan number down I have my 2nd extension closing date tomorrow and haven't heard anything from the company. No reply to my email from XXXX XX/XX/year> closing date XX/XX/year> I have XXXX into this since XXXX my money has been tied up. I wanted to buy a primary before school started which is impossible now. They completely ruined mine and my XXXX XXXX whole XXXX  because of lack of communication. XX/XX/year> I was pre-approved it's now XX/XX/year> and I am supposed to close tomorrow with no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was scammed Into paying a bill through cash app, two payments of XXXX, upon the second 1 the number changed. I told cash app because they advertise that they'll protect you and just open up a claim. I opened a claim, two, they did nothing not even declined just left in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/year>, I sent an email to the Navient Advocate requesting that the Misconduct School Discharge Application to be emailed to me. 
Good Morning, To : Office of Consumer Advocate I am requesting a School Misconduct Discharge Application form to be emailed to me. 

Thanks in advance for your assistance, On XX/XX/year>, I received a response from XXXX XXXX XXXX  via XXXX The subject of the email was : Here 's your School Misconduct Discharge application On XX/XX/XXXX, I emailed and submitted my application to Navient. 

Today XX/XX/year>, at XXXX pm XXXX XXXX, I received 3 emails for my three student loans, with the subject " Your School Misconduct Discharge application is denied ''.

No explanation was given, even though I attended one of the Universities that was on the Borrowers Defense List of the Department of Education, due to misconduct and predatory practices. 

Navient requested that I provide evidence of misconduct from universities that no longer provide access ( school emails and portals ) to former students. In my case I attended the institution close to 20 years ago. The University closed it's physical campus and it's current online version does not provide any information to former XXXX XXXX  campus based students, only where to get transcripts. 

I provided emails and other pertinent information in regards to recruitment, management of loans and information that I was told by the university in regards to job placement. 

I am complaining because I do not know why I was denied, even though I provided evidence and the University is linked to the XXXX XXXX list outlined by the Government. 
I am current with my loan payments, but I am paying approximately half of my take-home pay in student loans, which is causing mental stress and health issues. I wanted to know why students who defaulted on their loans received a XXXX XXXX from Navient previously from the same University, compared to myself who is current. Can this be considered discriminatory?

Company response to consumer: Closed with explanation