vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 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: College Ave Student Loan Servicing, LLC
State: UT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX XXXX XXXX Credit Report went down by XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following tradeline ( s ) you are reporting concerning me is/are inaccurate and/or incomplete :

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 2022-11-08 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: SC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX SC XXXX ; Medical XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; Medical XXXX Balance : {$35.00}.

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 2022-11-08 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: FL

Complaint narrative:
I am simply trying to inquire about receiving a refund on loan payments I made during the COVID-19 pandemic. I was informed that I can receive a refund after XX/XX/2020 for any payments made. I have not been able to get ahold of anyone regarding the matter. My loans transferred from XXXX XXXX to Mohela. XXXX XXXX was great and easy to work with but instructed me that everything now had to be completed by Mohela. Mohela just has pre-recorded prompts for applications and no way to speak with a custom service representative. I see no option to inquire about my pandemic loan reimbursement. It is highly infuriating that my loan company is withholding this important information. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: CITIZENS FINANCIAL GROUP, INC.
State: NE

Complaint narrative:
I have my mortgage with Citizens Bank and have always made on-time payments. However, the last 2 months, they have incorrectly reported to the 3 credit bureaus that my mortgage balance has gone UP ( it has not ). I have tried disputing with Citizens multiple times and they are not helping me, they keep reporting incorrect information that has hurt my scores. On XX/XX/2022, they reported that my mortgage balance went up by {$940.00} ( to {$170000.00} ) when it actually should have gone down to {$170000.00}. This decreased my credit score by XXXX point. I called the bank to dispute this information and disputed with the 3 credit bureaus. It was briefly corrected until XXXX. On XX/XX/2022, they again incorrectly reported my mortgage balance as going up to {$170000.00}, when it was actually at {$170000.00}. I called Monday XX/XX/XXXX and Citizens refused to open another dispute, saying my original dispute was declined. This time, my credit score dropped again by XXXX points due to these reporting errors. They are refusing to help me or correct the issue. I keep disputing, and they keep reporting the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: LA

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. 

XXXXXXXX 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 XXXXXXXX has violated my rights. 

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 an 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 and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 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: LA

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. 

XXXXXXXX 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 has violated my rights. 

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 an 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 and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
PLEASE NOTE : Below is admittedly being pasted across various public forums. I am exhausted after battling with Citi for hours on the phone. I hope this is presented in a meaningful fashion. I just don't have it in me to rewrite it. 

I have a 100 % perfect credit history. Zero missed/late payments in my well-over-a-decade-old history. I've been using Citi for my credit cards for probably a decade. Payments are on auto, set up on the Citi website ( not thru my banks bill pay system ). 

I just looked back at my YTD transactions and noticed that Citi has been charging me " Return Check Fees '' bi-weekly ( the frequency of my autopay ), for most months, and occasionally interest! For the months that had both fees and interest, the two fees ( one per autodraft ) plus interest is {$140.00}. 

What's interesting is that they are getting their money every time... They say their system makes a handful attempts to withdraw, with an interval of a few hours or a day. 

If an attempt fails, the user is charged a fee equivalent to having not made the payment at all. 

The bottom line is : they get their money, and the payments are never late. They cant justify the fees with a lack of funds, as one can deduce that the funds are available, because I have no missed or late payments on record. 

* * * Is it just me or is this blatantly predatory? * * * I just got off the phone with a Citi supervisor and she stated clearly multiple times that my payments were never late. The technicality they've got me on is that I authorized them to withdraw on a date X, and often times the money was only available in the account 2 or 3 days later. She very clearly stated that the bi-weekly auto-draws occur well before any due dates. She very clearly stated that these are not late fees. They are penalties for making their servers ask my bank for money again a day latera fully automated process that costs Citi fractions of a cent. 

Ill be the first to admit that I wasnt watching funding source checking account like a hawk, so I bet Citi did have to ask my bank more than once. Still Citi is auto-drawing well before any due dates. What is the trouble really? If a payment isn't late, any kind of penalty should be ILLEGAL.

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 2022-11-08 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: GA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again.

DEPT OF EDXXXX XXXX Balance : {$3600.00} ; DEPT OF EDXXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX : {$3700.00} ; DEPT OF ED/XXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX Balance : {$690.00} XXXX DEPT OF ED/XXXX XXXX Balance : {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$3200.00} ; DEPT OF ED/XXXX XXXX Balance : {$2600.00} ; DEPT OF ED/XXXX XXXX Balance XXXX {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX 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 explanation
Consumer complaint received 2022-11-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My mortgage account is setup with automatic payments. I attempted to update this on XXXX XXXX XXXX to debit on the XXXX XXXX every month instead of the XXXX using Rocket Mortgage 's website. I never removed automatic payment. 

I noticed this caused a late fee on XX/XX/XXXX the following month - so I spoke with customer support and asked the payment to be updated for the XXXX of every month so there are no farther late fees. He told me the account was updated/ resolved after changing that month 's payment to include a late fee. So I left the conversation feeling like my account was ok. 

The following month - no payment was processed at all because auto payment was apparently removed from the account. This was not resolved until I noticed on XX/XX/XXXX because of credit damage. 

I was told I was contacted by phone before the account was ever late- but never received any phone calls. I can prove this with telephone statements. 

I can also prove that there was sufficient money in my account during the time for autopayment to have been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XX/XX/2022 I had submitted a complaint against FNB OMAHA inquiry on my XXXX Credit report ( Cfpb Complaint # XXXX ). The original date of the inquiry was XXXX XXXX. The company did respond on or around XX/XX/2022 that they will send a request to XXXX to have the inquiry removed. 

Upon checking today, XX/XX/2022, the inquiry still remains on my XXXX Credit report. I would like this Inquiry removed ASAP as FNB OMAHA had promised. 

Thank 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 2022-11-08 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.

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 2022-11-08 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: DE

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-11-08 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: EQUIFAX, INC.
State: DE

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: MS

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. 

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 right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation