vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian, & XXXX continue to report incorrect information on my consumer file with the account listed as XXXX Account # XXXX. This account has not been properly validated or verified as belonging to me BEFORE it was placed on my consumer file. There is also no creditor information listed about this allege debt where I can follow up and verify this information myself. How were the consumer agencies able to verify this debt? What documentation was used or who did they speak with that stated this was my debt. There are several inconsistencies within the account which means this account has not been properly validated. 


Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- -- Account Rating : Derogatory Open Derogatory Creditor Type : Miscellaneous Government Federal State Payment Status : Collection/Chargeoff Current Late 120 Days Creditor Remarks : Collection Account Placed for collection Current account/was a collection account, insurance claim or government claim or terminated for default. 

Child/family support Collection account Payment Amount : {$0.00} {$280.00} {$280.00} Last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- 1 -- Past Due Amount : {$280.00} {$0.00} {$280.00} Account Type : Child Support Family Support Child Support ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-30 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: OR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : account : XXXX XXXX account # 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 2024-04-30 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: OR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : account : XXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am a victim of identity theft. I did not authorize this transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX I started XXXX XXXX with XXXX. This reputable school deals with XXXX I was approved for a {$60000.00} loan. I wasn't sure when disbursements would be made to the school but was told to set up an online account with Mohela, as I did along with my parents. It reflected on our Mohela account that we owed approximately {$43000.00}. I made many payments all along eventually able to make extra payments toward principal. One week ago, when logging onto my account, everything was missing, records of payments, it stated in bold letters that my account was " delinquent '' and that collections would be contacting us soon. After frantic phone calls, no explanations for 3 days, missed days of work, I learned that the account had been deconverted, then reconverted. A 3rd disbursement of {$18000.00} had apparently been made to the XXXX XXXX  on XX/XX/XXXX. We had only been aware of 2 disbursements of {$21000.00}. ( these disbursements were made on XX/XX/XXXX, and XX/XX/XXXX respectively. ) Interest has been accruing on this {$18000.00} which I do not believe that I am responsible for. I have spoken to numerous supervisors at Mohela, also managers at XXXX. Neither of them take the blame as I am just requesting that this interest be waived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
During Covid in XXXX, I opted for the Forbearance the government was offering provided by my lender, who was XXXX at the time, who is currently Flagstar. I was told that I could opt to repay the loan when I sold my home and at that time the monies owed would be taken. It was my understanding that I would be paying a low amount on the loan, as I already have a mortgage with the company. It was also my understanding that this was offered to help the American People during this time. The total I owed due to the forbearance {$14000.00}. I received a bill in XXXX of XXXX and it said I owed {$26000.00} and it is 386 days past due and you could lose your home. I called Flagstar and no one knew anything about it. I was transferred several times and told dont worry about it. For the last several months, everytime I would receive a statement they would say the same thing, dont worry about it. Today I received two letters one dated XX/XX/XXXX saying I owe {$26000.00} and one dated XX/XX/XXXX saying I owe {$26000.00}. 

Today I asked to speak to the supervisor who also couldnt find my loan even with the loan number, which I had to go to their website to retrieve. The supervisor once again said, just ignore it, its going to HUD. I said, What does that mean? He stated, Oh, they're taking it over. I told him that I want it resolved today! I want it rolled into my loan, so I can pay it off. I do not want a bunch of charges added to it including mortgage insurance, taxes and XXXX knows what else!!! The supervisor that I was speaking to has transferred me to Loss Mitigation. I have been on hold for close to 45 minutes. This is absolutely unacceptable!!! I want answers and solutions!!!!! How can I get help? This is an outrage to the American People!!!

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 2024-04-30 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling 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 explanation
Consumer complaint received 2024-04-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: NC

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  Account : 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 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 2024-04-30 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: NC

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  Account : 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 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
Consumer complaint received 2024-04-30 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: OH

Complaint narrative:
The department of education do not have consent to report on my credit file I would like them to remove or delete immediately. All the accounts have this as identification number on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It's been past 7 years it has been close to 15 years since I have this on my report I would like it removed. Show me a promissory note maturity date principal interest and the insurer 's signature if not deleted off my credit report. still remove.

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 2024-04-30 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: NC

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  Account : 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 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 non-monetary relief
Consumer complaint received 2024-04-30 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 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. Please see attached file for these items I am complaining.

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 2024-04-30 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I did not give any permissible purpose for anyone to run my credit. I am wanting those inquiries to be delete it immediately. Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX. Inquiry name : XXXX Inquiry date : 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 2024-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
As a consumer I believe my rights were violated.

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 2024-04-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Several listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
> Im writing in an effort to both request help on a personal banking matter and to highlight an area of concern in Wells Fargo 's operational procedures. 
> > On Thursday ( XX/XX/XXXX ), I deposited a check in your XXXX, Kansas Wells Fargo branch and was told a portion of the funds would be available the next day, XX/XX/XXXX, and the balance of funds would be available on Tuesday, XX/XX/XXXX. The teller was very helpful and very clear on the hold amounts and durations- going as far as circling the printed receipt that outlined the portion of funds available each of the days. 
> > On Friday morning ( XX/XX/XXXX ), I was able to go online and confirm the teller was correct and make a few transfers between various Wells business accounts. No problems. Then at XXXX that afternoon, the portion of funds that were showing available were reversed out, reflecting a negative amount in my account, AND the funds showing not available until XX/XX/XXXX. 
> > As a customer with XXXX for 25+ years now, I understand the need for holds and to be cautious on my side in moving/spending funds before they fully clear. In this case however, Im confused on why it was ever outlined that a portion of funds would be available and that they were reversed out at the end of the day. It's also important to note the source of funds. The check was from XXXX, who is also a Wells Fargo banking business ( the check reflect Wells Fargo on the front- see attached ). My understanding is source of funds are considered when deposits are made so holds are inline with the risk????? ( btw, last earnings call from XXXX stated that had $ XXXX in free cash flow ). Just as important, there is a history of XXXX checks depositing in to my accounts and Ive been fine on the holds because the hold period was accurately disclosed. Why would Wells Fargo not be able to access one of their accounts to confirm availability of funds? Are they holding money to gain interest at the consumers expense? Why wouldnt they simply state a longer hold period upfront versus mistate availability of funds? 
> >

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 2024-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
XXXX XXXX, annual free of {$75.00} billed on HELOC account ( at {$0.00} balance ) was billed in paper mail. This annual fee had not been applied in the years prior on the account. No other notification of this fee was sent via email, phone, or text. No change to online account balance was made, the account continued to be listed as {$0.00}. There was no method to this fee online under the " XXXX XXXX '' category, because this did not show up as a bill or a balance on the account. 
XXXX XXXXpresent, have continued to pay all monthly principle and interest payment for HELOC loan. I have paid greater than the required minimum each month, yet this excess of funds was not applied to the XXXX $ annual fee balance. 
XX/XX/XXXX, contacted Umpqua to request removal of negative credit reporting through their credit disputes email. Spoke to local branch manager who agrees this should be rectified on account. 
XX/XX/XXXX, Umpqua stated they were unable to honor this request.

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 2024-04-30 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: MD

Complaint narrative:
I do not recognize these inquiries and accounts and I asked for them to be removed and the credit bureaus didn't do ask i asked. I'm attaching a copy of the ftc report that i filed

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