vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you the credit agency 's XXXX, XXXX, Experian as well as XXXX block all information appearing on my personal credit report that is a direct result of identity theft and fraud with in XXXX business days of receiving this complaint. This fraudulent inaccurate and false information consists of personal credit card account opened at XXXX XXXX on XX/XX/year>, under account number # XXXX This account has resulted in several late payment and a charge off on my personal credit report. I do not recognize this account the inquiry, late payments or charge off being reported on my personal consumer credit report. This account is a direct result of identity theft and fraud. i have attached a copy of the FTC report as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit report account, inquiry, charge off and late payments are result of identity and theft 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 2025-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
I currently have over XXXX in loans that continue to accure interest, and AidVantage is not giving me an option to reasonably pay this back. I currently make about XXXX dollars a year, and was hoping to make monthly payments so I could pay it off. I applied for Income Driven Repayment program, so I could make monthly payments. However, AidVantage is not currently processing applications. I asked them if there was any way I could make reasonable monthly payments. They said no. They placed me on processing forbearance that allows my loans to continue to grow in interest. I asked them if they could at least put my loans in administrative forbearance so my loans would not grow interest, and they also said no. Per the guidelines, people can be placed in administrative forbearance if your loan servicer time needs time to process a repayment plan. Other people with a similar situation have, so I feel this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
In XX/XX/2021, I was hospitalized XXXX XXXX for a little over a month. I had no access to the internet, data, or my phone and was sedated most of the time. I was UNABLE to make my payment on their payment portal. Since then they have been reporting this late payment, even after numerous attempts and even proof sent to the company of my inability to make my payment due to reasons BEYOND MY CONTROL. For XXXX years they have denied me a good faith deletion of the late payment on my account that has been open for over XXXX years, it is THE ONLY late payment in the history of the entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone : XXXX Email : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Reinserted Account on My Credit Report To whom it may concern : I am writing to formally dispute a reinserted account that has appeared on my credit report managed by Experian. This account had previously been removed from my credit file, and its reinsertion without the proper notification and verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

According to the provisions of the FCRA, if a previously deleted account is reinserted into a consumer 's credit report, the consumer reporting agency must : Notify the consumer in writing within five business days of the reinsertion of the account. 

Provide verification that the account has been reinserted with accurate and complete information from the furnisher of the account. 

I respectfully request that Experian : Conduct a thorough reinvestigation of the reinserted account to ensure that it meets the verification and accuracy requirements mandated by federal law. 

Provide written documentation of the reinsertion process and the verification steps taken. 

Remove the reinserted account from my credit report if it can not be verified as accurate and complete. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in the verification process. 

Thank you for your prompt attention to this matter. I trust that Experian will handle this dispute in compliance with the FCRA and ensure that my credit report remains accurate and fair. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Reinsertion of Previously Deleted Information ) Under this section of the Fair Credit Reporting Act, if a consumer reporting agency reinserts previously deleted information into a consumer 's credit report, the agency must : Notify the consumer within five business days of the reinsertion.

Provide the consumer with the name, address, and phone number of the furnisher of the information. 

Ensure that the information has been verified as accurate before it is reinserted. 

Failure to comply with these requirements constitutes a violation of the FCRA and entitles the consumer to dispute the reinsertion and seek appropriate remedies.

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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed an updated copy of my credit report and discovered several errors and discrepancies in the information furnished by your agency. This inaccurate reporting is concerning, as I am preparing to apply for a new line of credit, and these inaccuracies could result in an unjust denial of my application.

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 2025-01-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I have a CD valued at {$10000.00} with Prosperity Bank located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, which matured on XX/XX/XXXX. However, I did not receive any notification after the maturity date. I recently discovered that my funds had been escheated to the State of Texas. 

Upon visiting the bank to inquire about the reason for the closure of my account and the escheatment of my funds, I was told that they had sent me a letter, but they were unable to provide any proof of this. To make matters more confusing, the bank claimed that my money was escheated on XX/XX/XXXX, and that my account was closed on XX/XX/XXXX, XXXX the XXXX hadn't even matured at that time. 

I requested to see the official bank notification letter, and they typed up a letter on the spot that had incorrect dates ( it was dated to Return the Letter to them by XX/XX/XXXX ). 

When I asked for assistance in retrieving the funds from the state, they refused to help and implied that the situation was my fault, thereby avoiding any responsibility for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to demand immediate corrective action regarding a glaring inaccuracy in the reporting and calculation of my credit score. Despite my credit utilization rate decreasing substantially from XXXX XXXX XXXX XXXX XXXX, my credit score has not increased and remains stagnant at XXXX. This is unacceptable, unjustifiable, and a clear violation of XXXX and Equifax 's obligations under federal law. 
My recent credit reports unequivocally confirm a reduction in my credit usage from XXXX XXXX XXXX XXXX XXXX, yet my credit score reflects no improvement. This failure to update my score accurately demonstrates gross negligence on the XXXX and Equifax parts. My payment history remains excellent. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to maintain accurate, complete, and up-to-date credit information. The stagnation of my score despite my improved credit usage constitutes a failure to reflect accurate data and may result in undue harm to my financial standing and reputation. 
Section 611 of the FCRA also gives consumers the right to dispute inaccuracies in their credit reports. I am hereby exercising my right under this statute to demand an investigation into this matter. 
The stagnant score has adversely affected my ability to obtain credit on favorable terms, despite demonstrating financial responsibility. This harm is compounded by the apparent lack of transparency in how credit scores are calculated and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have had a CitiBusiness Platinum Select AAdvantage Mastercard for a few years. XX/XX/2025 I decided to close it. It's impossible. There's no option to close on the website. The customer service phone line sent me in circles, going through the same questions and the same offer to transfer me to " business services '' again and again. Then they put me on endless hold -- longer than 30 minutes. All this to collect a {$100.00} fee.

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 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
A man created a fake ID on XXXX and offered to sell me something. He told me I had to use PayPal to send him {$160.00}. PayPal sent a notification that the recipient would receive the funds on XX/XX/XXXX. Then the recipient told me I had to send another {$100.00} for insurance. I declined and asked for my {$160.00} back. It was then I realized that the user ID was fake. On PayPal I could see that the user was not who he said he was on XXXX, but rather a foreign agent. He then disappeared from XXXX and blocked me. I asked PayPal to cancel the transaction and they refused. Transaction ID : XXXX I recommend that people do NOT use PayPal because it is not secure and they perpetuate fraud. They enable foreign agents to perpetrate fraud on American citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We contacted our loan company in XX/XX/XXXX to let them know that my guaranteed job had fallen through due to that company going bankrupt. I had been XXXX XXXX from the XXXX in XXXX. We knew wed be unable to pay our mortgage until I got a good paying job. They said theyd help and send paperwork to help and they never did. We went XXXX month unable to pay our mortgage while trying to apply for a loan modification. We did our part but they didnt do theirs. In XXXX I got a well paying job and we were able to make house payments. The loan company closed out our account to where we couldnt pay anything unless we had over {$8000.00}. If we had that, we wouldnt have been behind on our payments. We begged to pay what we could and pay our overdue amount over time. They said we needed to apply for the loan modification we tried getting the previous year. So we started that process in the beginning of XXXX. We turned in our documentation and they would take days/weeks to either approve or ask for more documentation. Then theyd find something wrong with our documents and pushed us even further in debt. They didnt start to review our modification request until XXXX. Their review took until mid XX/XX/XXXX. They declined any modification because they said we owed too much money and we have to sell our home or do a deed in lieu. They told us we could keep our home. They took an entire year and put us into the debt we owe. We had the means to pay our loan. We wouldnt be in this situation if they hadnt taken a year to go over our loan modification. We feel like it was intentional and they never truly wanted to help us. They wanted to rack up the late fees. Their customer service has been awful. We asked to speak to the highest person that works for them and they were always busy and they never called us back. Now they wont even answer their phone for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-08 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
They have to things on there thats reporting same thing

Company response to consumer: Closed with non-monetary relief