vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: NJ

Complaint narrative:
In XX/XX/XXXX, a letter was sent to the credit bureaus to correct the derogatory reporting for XX/XX/XXXX. All of the charges on my card were fraudulent and XXXX has refunded me the money & refunded the late payment fee. The credit bureaus are still marking me as late XXXX  days in XXXX XXXX  XXXX, even after I was assured multiple times this would be fixed and I should not be marked late because of the Fraud. This incorrect reporting has prevented me from buying a house and a car. 

I have attached the credit report still showing XXXX  days late in XXXX XXXX  XXXX. I have also attached a statement showing that the entire balance was refunded to be as fraudulent charges, the late fee refunded, but still no correction to the credit bureau reporting.

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 2024-03-06 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: NJ

Complaint narrative:
In XX/XX/XXXX, a letter was sent to the credit bureaus to correct the derogatory reporting for XX/XX/XXXX. All of the charges on my card were fraudulent and XXXX has refunded me the money & refunded the late payment fee. The credit bureaus are still marking me as late XXXX  days in XXXX XXXX  XXXX, even after I was assured multiple times this would be fixed and I should not be marked late because of the Fraud. This incorrect reporting has prevented me from buying a house and a car.

I have attached the credit report still showing XXXX  days late in XXXX XXXX  XXXX. I have also attached a statement showing that the entire balance was refunded to be as fraudulent charges, the late fee refunded, but still no correction to the credit bureau reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: NJ

Complaint narrative:
In XX/XX/XXXX, a letter was sent to the credit bureaus to correct the derogatory reporting for XX/XX/XXXX. All of the charges on my card were fraudulent and XXXX has refunded me the money & refunded the late payment fee. The credit bureaus are still marking me as late XXXX  days in XXXXXXXX XXXX XXXXXXXX, even after I was assured multiple times this would be fixed and I should not be marked late because of the Fraud. This incorrect reporting has prevented me from buying a house and a car. 

I have attached the credit report still showing XXXX  days late in XXXX XXXX XXXX. I have also attached a statement showing that the entire balance was refunded to be as fraudulent charges, the late fee refunded, but still no correction to the credit bureau reporting.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : XXXXL Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/XXXX I requested {$300.00} from my Pen Fed Checking account on a XXXX ATM located at the Quick Check on XXXX XXXX XXXX in XXXX, NJ. I did not receive the money and immediately looked at my account and saw that it was noted as withdrawn. I called my bank ( Pen Fed Credit Union ) who told me they would provide a provisional credit to my account and would pursue the issue with the other bank that runs the ATM ( XXXX ). 

On XX/XX/XXXX, I received a letter from Pen Fed simply saying they were closing the investigation and that there was found to be no issue and they removed the $ from my account. 
I called Pen Fed, explained the situation again and asked them to dispute further and request a video from the XXXX machine. The dispute department of Pen Fed has refused to request a video and said there is nothing they can do. They offered to send a printout of the transaction they received from XXXX noting the transaction ( well we already knew this was the case otherwise I should have no issue ). 

We asked the store to see if they could get a video from that night and they are looking into it, they did state that the machines have since been replaced. The funny thing here is that the Pen Fed contact said that XXXX tech went out to examine the machines and found there was no issue- if no issue- why replace them?

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one auto finace XX/XX/23 did not authorize XXXX XXXX XXXX XX/XX/23 did not authorize XXXX XXXX XXXX XXXX XXXX XX/XX/23 did not authorize XXXXXXXX XXXX XX/XX/23 did not authorize XXXX XXXX XX/XX/23 did not authorize Capital One auto finance XX/XX/23 did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I had an accounting with Citizen 's, account ending in XXXX. The account was charged off in XXXX. I paid the account in full on XX/XX/XXXX. I tried to open another bank account with a different bank, they stated they could not because I had a delinquent account with Citizens. I called the recovery department and requested a letter showing the account had been paid in full as well as they report to XXXX and the credit bureaus that the account was a {$0.00} balance and not delinquent. 

I received the letter on XX/XX/XXXX, but it is still not being reported correctly. I have called multiple times to request this be taken care of. The account is still showing that I owe a balance and that it is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
TODAY i was contacted by XXXX that my credit was down XXXX points! I reached out to them and fount that an account from Transworld System inc/XXXX was attempting to collect from me three account that I had previously proven was fruad from three energy companies. 
XXXX XXXX  XXXX for {$290.00}, XXXXXXXX XXXX  XXXX {$600.00} and XXXXXXXX XXXX XXXX {$240.00}. 
I reported to XXXX this was fraud and I needed it removed off my record and sponged off my credit history. I have also contacted the police and told them of the identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
On XXXX, XXXX and XXXX XXXX entered into a loan agreement with XXXX XXXX XXXX XXXX XXXX for a home loan to purchase a 1997 Manufactured home. The loan was for $ {$130000.00} to be paid over XXXX. The XXXX 's did have a deferment at one point and had brought themselves current, though they have lost the check that verifies they made that payment, the payoff statement still shows them owing roughly $ XXXX  ( that includes the deferment amount owed ). There is only XXXX remaining on the loan and the payments are {$850.00} a month. They pay the monthly payment consistently now and have been and I have documents to show. The statements still show at XXXX interest payments higher than the principle payment. At this point in a mortgage payment schedule the principle should be being paid most of the monthly payment. We requested and amortization schedule to prove they owe the amount that Shell Point ( the company that is now servicing the loan ) but we did not receive. We received the payoff statement which I do not believe is correct. Upon reviewing documents, it appears the XXXX  may be being taken advantage of at this point. They have gotten no where with Shell Point, the Attorney General and have not found an attorney taking new clients. I have a payment history from Shell Point but need to see the amortization Schedule to be sure of the actual amount owed and have Shell Point provide a proper payoff or show how they are going to pay the remaining amount off in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: AmerAssist A/R Solutions, Inc.
State: SC

Complaint narrative:
AMERASSIST AR SOLUTION is the company I contacted by mail, making several attempt & have not been contacted back. I need this deleted from my credit report because this is not mine & the company mentioned above failed to provide me with information I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: NJ

Complaint narrative:
Inaccurate reporting on my credit File. 15 us code 1681 states that information should be accurate.

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 2024-03-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Reached out to XXXX  and they refused to do so after I informed it was unauthorized and unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Week of XXXX XXXX, I asked for my credit report from EXPERIAN. Got the credit report and mistook the credit reporting service membership to be a membership for additional services. Which I didn't want. I ended up getting some kind of membership. The following day I got up to XXXX spam calls, much higher than the usual XXXX per day. 
Today, XX/XX/XXXX, I tried cancel the membership on the web and the website causes one to try and figure out how to cancel the membership by sending you back to your account. I found no way to cancel anything. I called and their phone system is circular which doesn't allow access to a " specialist. '' This is time consuming and disgusting! Please take action.

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 2024-03-06 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: LEXISNEXIS
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CO

Complaint narrative:
Experian released information to a lender ( unauthorized ) and, despite having a credit freeze on my account. 

XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX on behalf of XXXX XXXX. This inquiry is scheduled to continue on record until 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 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Reached out to transunion and they refused to do so after I informed it was unauthorized and unverified

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 2024-03-06 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 been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-03-06 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: TX

Complaint narrative:
Issue XXXX : MOHELA forced me to recertify my income for PAYE in XX/XX/XXXX before the original recertification deadline of XX/XX/XXXX at the earliest and otherwise they threatened to raise my monthly payment amount to the standard payment plan payment. This resulted in my payment increasing from {$340.00} ( which was my payment prior to COVID pause ) to {$1200.00}. I have been making payments to avoid defaulting on my loans. Now the recertification deadline has been moved to XX/XX/XXXX, but I was already forced to recertify by MOHELA. 

Issue XXXX : They also put my account into Administrative Processing Forbearance for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and my MOHELA account states that these months do not qualify toward public student loan forgiveness when a document that US Department of Education sent me said that these months of Processing Forbearance would count toward PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have filed mutiple complaints against Equifax for not reporting XXXX  mortgage loan number XXXX i understand that its not reporting on the account because Equifax refuse to report it XXXX  has contacted Equifax and Equifax requested that XXXX  Mortgage resubmit the account information and XXXX did mutiple times the most recent time was XX/XX/2024 and i petsonlly witnessed this at the bank and i also have documentation to support this from XXXX  and i have documentation from XXXX  they have reached out to Equifax mutiple time but Equifax but Equifax refuse to return any calls or emails and i have the documentation from XXXX to suport this and all documents are attached at this point Equifax is purposely being malicious and low down and refusing to abide by my federal rights or federal laws wich is illegal... ..Equifax reply to my ever complaint is that this account is not being reported well i have documents from XXXX if Equifax would return call or reply to emails from XXXX this could get resolved but they refuse all it take is someone at Equifax to do their job that they get paid to do and this problem could have been fix years ago but clearly Equifax has an employee that does not respect federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have filed mutiple complaints against Equifax for not reporting XXXX XXXX loan number XXXX i understand that its not reporting on the account because Equifax refuse to report it XXXX  has contacted Equifax and Equifax requested that XXXX  Mortgage resubmit the account information and XXXX  did mutiple times the most recent time was XX/XX/2024 and i petsonlly witnessed this at the bank and i also have documentation to support this from XXXX  and i have documentation from XXXX  they have reached out to Equifax XXXX time but Equifax but Equifax refuse to return any calls or emails and i have the documentation from XXXX  to suport this and all documents are attached at this point Equifax is purposely being malicious and low down and refusing to abide by my federal rights or federal laws wich is illegal... ..Equifax reply to my ever complaint is that this account is not being reported well i have documents from XXXX  if Equifax would return call or reply to emails from XXXX  this could get resolved but they refuse all it take is someone at Equifax to do their job that they get paid to do and this problem could have been fix years ago but clearly Equifax has an employee that does not respect federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have filed mutiple complaints against Equifax for not reporting XXXX XXXX loan number XXXX i understand that its not reporting on the account because Equifax refuse to report it XXXX  has contacted Equifax and Equifax requested that XXXX XXXX resubmit the account information and XXXX  did mutiple times the most recent time was XX/XX/2024 and i petsonlly witnessed this at the bank and i also have documentation to support this from XXXX  and i have documentation from XXXX  they have reached out to Equifax mutiple time but Equifax but Equifax refuse to return any calls or emails and i have the documentation from XXXX  to suport this and all documents are attached at this point Equifax is purposely being malicious and low down and refusing to abide by my federal rights or federal laws wich is illegal... ..Equifax reply to my ever complaint is that this account is not being reported well i have documents from XXXX if Equifax would return call or reply to emails from XXXX  this could get resolved but they refuse all it take is someone at Equifax to do their job that they get paid to do and this problem could have been fix years ago but clearly Equifax has an employee that does not respect federal laws

Company response to consumer: Closed with explanation