vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: NY

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
Account is reporting as revolving account is closed, Report is also reporting a balance but it was reported as a loss by the grantor the last active dates are inaccurate and the bureaus are not reporting the same

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All XXXX Bureaus are not reporting the same information and thats a violation of the fcra the last date active is inaccurate the account is reporting open across all XXXX bureaus but they have it listed as a charge off and thats a violation XXXX is reporting paid as agreed but reporting the account as charged off as well

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 2024-09-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All XXXX Bureaus are not reporting the same information and thats a violation of the fcra the last date active is inaccurate the account is reporting open across all XXXX bureaus but they have it listed as a charge off and thats a violation XXXX is reporting paid as agreed but reporting the account as charged off as well

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 2024-09-19 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This is a formal complaint letter concerning inaccuracies and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been 14 days since I mailed the request. 
1. LVNV funding LLC Debt Buyer Collection {$3100.00} = XX/XX/XXXX XXXX. XXXX XXXX XXXX - Debt Buyer Collection {$2200.00} = XX/XX/XXXX XXXX. XXXX XXXX  Account Charged Off {$1400.00} XX/XX/XXXX XXXX. XXXX Account Charged Off {$730.00} = XX/XX/XXXX XXXX. XXXX XXXX  - Account Charged Off {$2500.00} = XX/XX/XXXX XXXX. XXXX XXXX, XXXX Account Charged Off {$810.00} = XX/XX/XXXX XXXX. XXXX XXXX, XXXX Account Charged Off {$860.00} XXXX XXXX. XXXX Paid Account Closed {$0.00} = XX/XX/XXXX XXXX. XXXX XXXX Account Closed {$0.00} XXXX XXXX. XXXX XXXX Account Close {$0.00} XXXX XXXX. XXXX XXXXPaid Account Closed {$0.00} = XX/XX/XXXX XXXX. XXXX Paid Account Closed {$0.00} XXXX XXXX. XXXX Open Account {$640.00} = XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: AZ

Complaint narrative:
Student loans managed by MOHELA were reported XXXX times to the XXXX credit bureau, indicating my loan balance was XXXX when the actual balance was XXXX. My XXXX credit was negatively impacted by approximately XXXX points to this error. My credit report shows that MOHELA closed these duplicated accounts as of XX/XX/2024 instead of reporting the error to the credit bureau, which has again negatively impacted my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive requested multiple times verbally over the phone and in writing to remove all dispute verbage and comments from accounts. Ive been trying to achieve this for several months with no success and this is keeping me from obtaining a home loan. XXXX, XXXX and Transunion

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 2024-09-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Ive requested multiple times verbally over the phone and in writing to remove all dispute verbage and comments from accounts. Ive been trying to achieve this for several months with no success and this is keeping me from obtaining a home loan. Experian, XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-09-19 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: NY

Complaint narrative:
I have made consistent payments to Sallie Mae even when the payment amount due was much larger than I could afford and they show inconsistency in my payments. They reported me as 60 days delinquent but show a payment made the month before ( XXXX. 2024 ) and the month after ( XX/XX/scrub> 2024 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Mortgage Company : NewRez Loan Number : XXXX I am writing to file a complaint regarding inaccurate reporting of late mortgage payments by NewRez. Due to some family-related issues, I have occasionally paid my mortgage slightly late, but I have always ensured that the payments were made before the 30-day mark to avoid negative impacts on my credit. 

Here are the key details of the issue : I reside on the XXXX XXXX, while NewRezs processing center is located on the XXXX XXXX. 
On XX/XX/year>2024, I logged into the NewRez online portal and made my XXXX mortgage payment. However, due to the time zone difference, the payment did not reflect in their system until XX/XX/year>2024. 
As a result, a 30-day late payment was reported on my XXXX and XXXX credit reports, even though the payment was made on time according to my local time zone. 
To complicate matters further, I recently discovered that my XXXX report is showing a 30-day late payment for XX/XX/scrub> 2024, not XXXX, while XXXX and XXXX are only reporting the late payment for XXXX. 
I submitted disputes to all three credit bureaus, but they returned as verified, with no changes made. I have also tried contacting NewRez directly, but their loan servicing department does not take phone calls, leaving me with no means to speak with someone about this matter. 

I am asking for a review of this situation, particularly considering the time zone discrepancy that caused the payment to be recorded as late. I have made every effort to ensure my payments were within the 30-day window, and I believe the late marks on my credit reports are unjust. 

This issue is now preventing me from refinancing my mortgage, and I hope that NewRez can work with me to resolve this matter by removing the 30-day late payment from my credit reports. 

Thank you for your assistance.

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 2024-09-19 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:
on XX/XX/year>2024 I reported an incorrect information was on my credit report, I asked for verification as well. I also stated that the name that was on their end was not associated with me nor have I've ever been know by the name they have on filed while also explaining I have been a victim of identity theft. I asked it be removed which didn't happen and I never recieved verification either.

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 2024-09-19 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:
on XX/XX/year>2024 I reported an incorrect information was on my credit report, I asked for verification as well. I also stated that the name that was on their end was not associated with me nor have I've ever been know by the name they have on filed while also explaining I have been a victim of identity theft. I asked it be removed which didn't happen and I never recieved verification either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
on XX/XX/2024 I reported an incorrect information was on my credit report, I asked for verification as well. I also stated that the name that was on their end was not associated with me nor have I've ever been know by the name they have on filed while also explaining I have been a victim of identity theft. I asked it be removed which didn't happen and I never recieved verification either.

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 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had a card with Capital One that was used fraudulently when I went through identity theft by a family member but now because of that fraud, police report and FTC identity theft report, Capital One banned me from applying or getting a new card/account with them for something I couldnt control ( fraud/identity theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX Ally Auto for XXXX to Retrieve Vehicle and Improper Credit Charge-Off** In 2022, my vehicle was towed while I was out of the country. I immediately contacted Ally Auto, with whom I had an active auto loan, to discuss the situation. Ally Auto and I came to an agreement that they would retrieve my vehicle from the tow lot on my behalf since I was out of the country and unable to do so. The understanding was that once the car was picked up by Ally Auto, I would pay the necessary fees to reclaim the vehicle. 

Despite this agreement, Ally Auto failed to retrieve my vehicle from the tow lot. Over the course of XXXX weeks, I called Ally Auto XXXX times per day, each time being assured by representatives that the vehicle would be retrieved. These calls are recorded, and the assurances I received are documented. However, despite their assurances, Ally Auto did not pick up the car, which ultimately resulted in the vehicle being sold by the tow company. 

To make matters worse, I continued to make my monthly payments to Ally Auto during this time, despite the ongoing issue. However, Ally Auto still proceeded to charge off the loan on my credit report, severely damaging my credit, even though they failed to fulfill the agreement we had in place to retrieve the vehicle. 

I believe this situation resulted from negligence on the part of Ally Auto, as I made every reasonable effort to work with them to resolve the situation. The failure to retrieve the vehicle despite numerous calls and documented assurances, along with the unjustified charge-off on my credit report, has caused me significant financial harm. 

**Desired Resolution : ** I am requesting the following from Ally Auto : 1. Immediate removal of the charge-off from my credit report. 
XXXX. Full compensation for any financial losses related to the sale of my vehicle, as a result of their failure to retrieve it from the tow company. 
XXXX. A formal acknowledgment of their failure to honor the agreement. 

I have attached all relevant documents, including my payment records, communications with Ally Auto, and a copy of my credit report showing the charge-off. 

Thank you for your attention to this matter. I look forward to your resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: NY

Complaint narrative:
My account shows late payments that are inconsistent with my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
citizens bank saving promotion advertisement : GET {$100.00} When you open a first new personal savings account Open your first new personal savings account on the same date as you open your new personal checking account. Then make monthly deposits of {$100.00} or more for 3 months in a row, starting the month after the accounts are opened. You'll earn a {$100.00} bonus into your Citizens checking account in the 4th month. and the promotion is still on going XX/XX/year>2024 : Saving and checking account account opened and deposited {$100.00} respectively XX/XX/year>2024 : deposited {$10000.00} XX/XX/year>2024 : deposited {$120.00} XX/XX/year>2024 : deposited XXXX XX/XX/year>2024 : deposited XXXX contacted bank today for the 1th time, bank acknowledged the requirement was met but refuse to issue the bonus. 
contacted bank today for 2nd time and was informed the requirement was {$500.00} for 3 months in a row.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXXXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-09-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CT

Complaint narrative:
i have been getting collection calls about a XXXX XXXX some say is {$680.00} some say its {$350.00} -- I even got an email for over XXXX for a couple years and gave information several times that is not the balance owed if I owed anything and XXXX XXXX who I believe is the XXXX company to contact me and still never take the time to correct the balance which they are reporting to the credit bureaus. I filed a dispute through XXXX and they responded in record time lying saying the balance was verified. I emailed them on XX/XX/year> requesting the actual bill or a copy of any documentation about the bill and they have not responded at all. I am simply asking for the proof of the balance that is affecting my XXXX XXXX. in the past when i asked for the corrected balance they never provided it they would just have someone call me back with a settlement offer. I will not settle until they provide documentation and proof of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 instructions 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 than 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.

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