vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: MN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I saw a eviction collection on my credit report, I reached out to Experian and at the time I placed a fraud alert, and I explained to the credit bureau informing them that someone had used my identity to rent or obtain a apartment without my consent or knowledge using my identity

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 2024-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
To whom it may concern, Inaccurate Credit Reporting ( 15 USC 168152 ) 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( opportunity financial ) is reporting a balance of ( {$2400.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$2400.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. My information was sold to third party that I had know knowledge of or agreements with and that is a violation of code 15 USC 6802 Obligations were to respect to disclose of personal information Part b opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. So this item has to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-08-28 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: GA

Complaint narrative:
XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and it was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
On XX/XX/XXXX, payment confirmation XXXX, old Mohela account number XXXX, The full amount of loan ( Direct Unsubsidized Stafford Loan, payoff {$3500.00}, loand # 7, disbursement date XX/XX/XXXX, was paid off. I have the payoff payment confirmation and bank statement. 

I also have the payoff payment confirmation of XXXX for Direct Subsidized Stafford Loan ( payoff amount {$2100.00}, Loan # 3, disbursement date XX/XX/XXXX ) and another Direct Unsubsidized Stafford Loan ( {$290.00}, Loan # 2, disbursement date XX/XX/XXXX ). Bank statements provided. 

I have submitted 2 Consumer Financial Protection Bureau ( CFPB ) against Mohela and loan # 7 is *finally* showing as paid with a negative balance of around ( {$470.00} USD ).

Loans # 2 and # 3 are still showing NOT PAID OFF. ARE YOU FREAKING KIDDING ME. This the 3rd complaint.

This is gross incompetence. Not only are loans # 2 and # 3 still showing balances, because of MOHELA 's inability to perform basic functions, this means that every month since XXXX the principle / interest payments of the remaining loans has no been calculated correctly. FIX IT. XXXX. How can you get away with treating people 's money like this!?! As I have stated before, I hope that MOHELA workers who have ignored and chosen not to fix this, that their personal checking accounts get treated with same exact same urgency and disregard as they've shown mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
Please permanently remove following fraudulent information from my credit report as it is affecting me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with XXXX  XXXX XXXX, XXXX. was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-08-28 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:
Hi, this is stressing me out, I value my credit a lot but the inaccuracies in my report has negatively affected my financial opportunities as well as my mental health, hindering me in achieving financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
Hi, this is stressing me out, I value my credit a lot but the inaccuracies in my report has negatively affected my financial opportunities as well as my mental health, hindering me in achieving financial stability.

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 2024-08-28 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: IN

Complaint narrative:
I am not associated with these listed creditors or the inquiries shown.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: MN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

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 2024-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - 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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: TX

Complaint narrative:
As a loyal customer, I have always strived to maintain a good standing with my mortgage provider. Prior to PNC bank acquiring my loan I have never been late paying my mortgages. However, I recently discovered that a late payment was reported on my credit report. After reviewing my account, I believe this was an oversight caused by the lack of an online autopay option in your payment system, which I have always relied upon with other service providers to ensure timely payments. 
PNC process for setting up autopayment was archaic and overly cumbersome to setup. It required me to ( 1 ) call customer service ( 2 ) customer service needed to email me a password protected form WITHOUT the password ( 3 ) a separate customer service representative would call at a later time to verbally give me the password. ( 4 ) The password verbally communicated was valid for a short period of time. ( 5 ) If the password wasnt used within the allowed time frame, the process needed to be repeated all over again. ( 6 ) once the form was unlocked, it needed to be printed ( 7 ) completed and signed by hand ( 8 ) them mailed back to PNC Bank. This made it extremely difficult for me to set up autopay, which I heavily rely on to maintain timely payments of all my bills.

PNC Banks online payment system allowed me to store my payment account to make one-time payments and schedule a payment but had NO autopay option. My previous and other mortgage provider ( XXXX XXXX ) has an online autopay setup option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX I checked my mobile bank after I purchased gas from XXXX  in the amount of XXXX and some change, that when I noticed I had an negative XXXX balance on my account which should have not been so i called Bank of America to inquire about the transaction and why was I had a negative balance. I was then informed that the company XXXX had charged my Debit Card ending in XXXX in the amount of XXXX without my authorization. I was told to dispute the charge because it was done without my authorization. I have been dealing with this for the last 3 days and was told my money would be put back on my card, and I still do not have my money back in my account. I have been issued an new card so the company XXXX will not be able to use my card without my authorization again. I don't understand how they used it in the first place without my authorization and I did not have the money in my account to cover the charge, now Bank of America has switched the charge that was made to XXXX XXXX XXXX XXXX XXXX to not having the funds in my acct to a negative XXXX and applied a XXXX overdraft fee leaving a XXXX INS on my acct. I am very upset that a bank could do such a thing to person I thought they were to protect our money and not give it away.

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 monetary relief
Consumer complaint received 2024-08-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

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 2024-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MD

Complaint narrative:
On XX/XX/XXXX the XXXX XXXX enjoyed the SAVE program. I have been on the SAVE program since my REPAYE was converted to the SAVE program. In XXXX, my loan was put into the administrative forbearance and I have been unable to change to another program. I have made regular payments to my consolidated federal loan since XX/XX/XXXX. My current loan servicer is MOHELA. 

I sought to apply for a different IDR program as I am and have previously been employed at qualifying employment for the public services loan forgiveness program ( non-profit legal services and now the federal government ). With that, I was slated to make my XXXX payment in XX/XX/XXXX and wanted to continue on that path. However, if I may a payment it is unclear if it will count. So I wanted to apply for a different program, even if it mean paying more.

I called MOHELA and because I could not apply online. They stated they would accepted paper applications. I confirmed this with the XXXX XXXX XXXX XXXX. I have since sent XXXX paper applications and uploaded a paper application for a new payment plan and have received no response. 

Additionally, when I call there is no guidance on next steps. 

I want to make payments not only to keep working towards forgiveness but also because my current payment goes into the calculation for a debt to income ration for applying for a mortgage. Without a payment that I can prove I am making, I will be calculated to be paying more than I am, making me unable to qualify for a mortgage appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Monday XX/XX/XXXX Hi there, so the whole problem is I have an XXXX card and wanted to use it. I purchased a XXXX travel package that cost XXXX XXXX After getting to checkout, I found out XXXX dont accept XXXX XXXX and their solution around all of this was to get a prepaid XXXX card and redeem them for a XXXX XXXX card. So I went to XXXX. The reason I went to both was because both stores had a limit on purchases. XXXX XXXX was XXXX $ and XXXX was XXXX XXXX plus sign for tax purposed. Besides all of that, after getting all the gift cards and redeeming them online with XXXX. So on XXXX XXXX, I purchased XXXX XXXXXXXX XXXX gift card, and it went through. When i try to redeem my XXXX card out of XXXX. I got hit with a suspicious actively, and the Prepaid card kept declining, and I was finally placed on HOLD. After calling the number back of my pre-paid card, they told me they would be shipping XXXX new card because the card was locked. Looking at check balance all of my XXXX cards are placed on hold and will be getting new one in mail. Keep in mind i didnt consent on receiving a new card because i dont trust having a pre paid card in the mail. But top everything off they said sorry theres no tracking device number and will get there when it does. HOW would you feel you have XXXX all gone and no tracking. I got my bank but they said they can't do anything becuase it was a physical purchaes for prepaid. I just want my money back so i can paid the bank back. Now im stuck with XXXX cards all on hold.

Company response to consumer: Closed with explanation