vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX I made payments XXXX and showing account open. Attached showing account closed on credit report yet showing open on Experian and XXXX. Showing made payments on XXXX yet late payments on Experian. However, no payments from me were never made showing from XXXX to now. 
No balance is due Airport Infinity fraud and XXXX XXXX gave wrong information to XXXX 

PLEASE PROVIDE PROOF PAYMENTS WERE MADE FROM ME FROM XXXX. 

PLEASE PROVIDE PROOF OF THIS BALANCE STATED WERE DUE. 

PLEASE PROVIDE PROOF OF ANY LATE PAYMENTS. 

PLEASE PROVIDE STATEMENT FROM CAR DEALERSHIP WHO PROVIDED THIS INFORMATION TO XXXX XXXX PLEASE PROVIDE WHO IS DIRECTLY REPORTING THIS INFORMATION. 

PLEASE PROVIDE PROOF IF PAYMENTS WERE MADE BY ME FROM XXXX TO XXXX WHY IS THE BALANCE THE SAME AND DOESN'T CHANGE OR GO DOWN? 

WHY WOULD THE BALANCE REMAIN THE SAME IF I WAS MAKING PAYMENTS? 

WHY IS THIS ACCOUNT SHOWING 7 YEARS AND 7 MONTHS ON CREDIT REPORT? 

PLEASE PROVIDE PROOF WHY THIS ACCOUNT IS SHOWING OVER THE 7 YEAR STATUE PER THE CFPB GUIDELINES.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CrossCountry Mortgage LLC
State: MA

Complaint narrative:
I had Covid for the third time I called in XXXX to put my mortgage in forbearance because I was sick for three weeks and I had to wait for a month to receive the application and then later filled it out and was getting fund for Raft program to pay my past due balance application XXXX XXXX the issue payment on XX/XX/XXXX I was approved for the amount owed and the mortgage company denied my application for forbearance I sent in do to support my claim being on set income for work related injury they are send to the credit bureau saying I owe money that was paid it takes up to two weeks for them to receive payment my credit is being affected and I explained that a government assistance program was paying it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have contacted Experian, XXXX as well as XXXX about the incorrect information and the accounts attached to them and nothings has been done about it.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
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  has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi 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 explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have called EXPERIAN numerous times only to deal with an automated answering service that consumes my time, doesn't resolve my problem, and doesn't transfer me to a live representative. Other times, as was the case on XX/XX/2023, the automated service transferred me to a live EXPERIAN representative located in XXXX XXXX. Since that live agent could not resolve my complaint, he transferred me to his supervisor by the name of XXXX ( thats the name the supervisor gave me ) which was also located in XXXX XXXX. This supervisor spoke to me in a RUDE manner and DISCONNECTED my call! The reason I was calling was to let EXPERIAN know that my FICO score dropoed by XXXX points and after reviewing my EXPERIAN report, I noticed that there are accounts that have NOT been updated or reporting ACCURATELY!!! One of my accounts- XXXX  XXXX is showing a monthly payment of {$8.00} and a balance of {$8.00} - both are INCORRECT. 
I NEVER pay a monthly {$8.00} NOR do I owe {$8.00}! XXXX XXXX is showing a balance of {$100.00} and has NOT been UPDATED! I have a XXXX balance with XXXX XXXX!!! I am attaching screenshots! I am paying my balances in FULL every month and my creditors have been sending EXPERIAN letters CONFIRMING that my account has a XXXX balance. I am LEGALLY entitled to ACCURATE reporting. There is NO reason why my FICO score dropped XXXX points! Moreover, my FICO score should have gone up as one of my creditors RAISED my credit limit and did NOT do a hard credit pull for this. I am very FRUSTRATED that I have to constantly go through the CFPB to assist me because EXPERIAN is making MISTAKES on my credit report, NOT CORRECTING the MISTAKES, and being RUDE to me, the consumer, that has a LEGAL RIGHT to have correct and accurate information reported on my credit report.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Transunion has violates my rights according to XXXX. XXXX XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Dispute of Late Payment Reporting during XXXX Pandemic To Whom It May Concern, I am writing to dispute a late payment entry on my credit report related to my account with CAPITAL ONE. The late payment in question occurred during the XXXX pandemic, and I believe it was inaccurately reported. I am seeking your assistance in rectifying this matter. 

I recently reviewed my credit report and noticed that a late payments has been reported on XXXX for my account with CAPITAL ONE. I would like to bring to your attention that during the period encompassed by the late payment, I was granted an " accommodation '' by CAPITAL ONE as defined under the provisions of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ) ( i ) ( I ). 

According to the definitions provided in the subsection : " Accommodation '' includes various forms of assistance extended to consumers affected by the XXXX pandemic, such as deferring payments, making partial payments, forbearing delinquent amounts, modifying loans or contracts, and other relief measures. 
The " covered period '' pertains to the time during which the consumer is affected by the coronavirus XXXX 2019 ( XXXX ) pandemic. 
During this covered period, I was adversely impacted by the pandemic, leading to the " accommodation '' granted to me by CAPITAL ONE. As a result, I am disputing the late payment entry as it does not accurately reflect the circumstances and the " accommodation '' provided by the creditor in accordance with the Fair Credit Reporting Act. 

I kindly request that you investigate and correct this error on my credit report. As per the FCRA, I have the right to accurate and fair reporting of my credit information. I have enclosed documentation supporting the accommodation provided by [ XXXX 's XXXX ] during the XXXX pandemic. 

Please provide me with a written response confirming the results of your investigation and any updates made to my credit report as a result of this dispute. Additionally, if any documentation is required from my end to facilitate this process, please let me know. 

Thank you for your attention to this matter. I look forward to a prompt resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AVANTE
State: FL

Complaint narrative:
XXXX has violates my rights according to XXXX. AVANTE USA did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
When paying Apple credit card bill online, started to receive fraudulent charges and emails. Apple ID compromised. Identity theft now issue, email address also being compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Every they take XXXX to XXXX points away from my account for balance decrease

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
How is this even legal? I received an offer from CapitalOne for 30.49 % interest. 

I want to know why the government is not protecting us against predatory credit card offers from United States banks. 

I will be asking the same thing of my congress people. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've disputed this XXXX account over the past 2 years and nothing has been done to correct the issue. Transunion finally removed the account and then reinsert the account without my knowledge or notification. XXXX is required to provide validation to me and Transunion before an account can be reinstated and XXXX did not. Transunion is supposed to notify me within 5 days according to the FCRA and Transunion failed to do so. Transunion must permanently remove this account and not allow it to be reinstated. The CFPB must report XXXX to the FTC and hold Transunion responsible and pay me for the multiple violations. I can show proof that Transunion has allowed at least XXXX violations per month for at the minimum of 2 years. The CFPB can look at the record of my complaints and documentation provided to justify my monetary judgment and Transunion refusal to pay. I was willing to settle and Transunion refusal because of the impoper investigation. I'm willing to settle for {$24000.00} which is {$2000.00} per month for a year. I could get more plus lawyer fees because the FCRA has laws and guidelines that must be followed and Transunion has violated each and every one. Transunion must be held accountable and I'm entitled to payment within 14 days and the removal of this account. XXXX has violated rules of the FCRA as they haven't validated this account or provided the original contract and yet the account remains. XXXX has continued to reage and report inaccurate information and Transunion is guilty of allowing them to continue to hurt my credit. I'll be able to show because of Transunion allowing XXXX to reinsert the account, reage, and report inaccurate information I was denied for a mortgage. Transunion must pay for the violations it has allowed by XXXX and any refusal or no payment in 14 days justifies a lawsuit and attorney fees. I've been patient and tried to settle this by filing the necessary complaints and I've yet to get my credit report corrected and the monetary money I'm owed for violations.

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 2023-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
I spoke with this debt collector by phone and told them this wasn't a debt I owed. They still sent me a letter insisting I acknowledge and pay this debt without any proof. This company should nt have ANY of my medical history. My medical history is protected by HIPPA, I dont know these people and why would they ave access to private medical information? Why is this legal and who are these people with my address and stating they have access to my medical history?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a letter and FTC report regarding fraudulent and unknown things on my credit report to this day over 39 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 39 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me financially and the ability to provide to my family. My information has been impacted by the recent Transunion data breach and may have gotten compromised by the breach.

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 2023-08-19 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: MO

Complaint narrative:
Hello, I had my federal student loans serviced through fedloan. When I graduated in XXXX from grad school, I attempted to start making payments in XX/XX/XXXX when I started my first career, but was told by XXXX that I can not make a payment until XXXX of XXXX due to my payment date not being active yet. Even though I called over a dozen times between XXXX XXXX thru XXXX of XXXX, I was told the same thing that my loans are not in repayment yet. This deceptive information caused me to delay payment and caused unnecessary interest to add to my loan balance. The main reason I was asking to make payments before my official start of loan repayment was due to being employed and wanting to get ahead of additional debt. Unfortunately, I was young and inexperienced with the loan process so I felt like fed loan was acting in my best interest, but now I can see that was not necessarily the case. 

The next issue occurred around XXXX when I completed my annual income based repayment application for fed loan XXXX My application was processed by fed loan and I received a monthly payment of ~ $ XXXX mo XXXX on my application. At first I was confused by this decease as in the prior year I was paying over $ XXXX mo. I had no change in income/ employment status, so I again called fed loan over a dozen times to inquire why this occurred. I was informed that I fell below the poverty line based on my application information. I explained that must be inaccurate as I did not have a change in status and was making ~ $ XXXX year. The fed loan reps told me there is nothing that can be done and most loan holders want to have the lowest payment. Again, due to my lack of knowledge on how the loan process worked, I took fed loan as acting in my best interest. 

Fast forward to present day, I have educated myself on the loan process and that fedloan willfully provided inaccurate information that caused my loan to ballon in size due to several years of interest being added to my overall debt balance. A balance that should have been less if I was provide accurate information about my loans. 

I am hoping that someone can assist me in holding them accountable for this deceptive practice as I like many account holders was relaying on fed loan to act as an advocate for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation