vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my updated credit report, I am appalled at the credit agency repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in full compliance with federal law. XXXX, XXXX and Experians negligence and irresponsibility to remove these unauthorized inquiries is costing me and my family to suffer for me to provide them a better life. As a XXXX XXXX and father, I carry the heavy responsibility of providing for my family, but these fraudulent entries have severely hindered my ability to achieve financial stability. This is more than just a disputeit reflects the systemic barriers I continue to face while trying to secure a better future for my household. Under 15 U.S. Code 1681c2, All 3 listed above credit agencies are legally required to block all fraudulent information within 4 business days of receiving my identity theft documentation. Your failure to comply has violated my rights under the Fair Credit Reporting Act ( FCRA ). Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : Please remove unauthorized inquiries. Unauthorized Hard Inquiries : XXXX XXXX XXXX XX/XX/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 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 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 XXXXXX/XX/XXXX Please immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above. All 3 credit agency must adhere to 15 U.S. Code 1681c-2 by blocking the entries within 4 business days of receiving this complaint. All XXXX credit agencies ( XXXX, XXXX, Experian ) continued inaction has already caused harm and is a direct violation of my rights under the FCRA. For violating my rights, I request you send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-02-20 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: NCB Management Services Inc.
State: SC

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. 

NCB Management Services XXXXXXXX I looked at my XXXX credit report on XX/XX/2025 and notice some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-02-20 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: NV

Complaint narrative:
My loans were placed on SAVE forbearance. After switching to their new online system, my auto payment pulled a payment while I was in forbearance. I submitted to get a refund in XXXX. MOHELA states that they have received the request and are still processing it as of the end of XXXX. I have still not received my refund despite multiple calls and supposed escalation of the request on their end. I requested that the request be placed in my file which it never was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Movement Mortgage LLC
State: MD

Complaint narrative:
Back when my XXXX XXXX began an authorization from my attorney was provided so that they can discuss ALL aspects of my account. 

The process to make my payment is not convenient I have no online access and when I call them during normal business hours like Friday before XXXX like is on my statement they hang up on me. This has caused me to be late on XXXX payment past the 15 day grace period. Due to the holiday I wasn't able to make a payment until Tuesday the XXXX and it cleared the XXXX. I am expecting a 5 % late fee, and this fee shouldn't happen due to their system causing me to be late. I will submit my call log with this report. 

When I call they say they can't discuss anything with my account but take payment. They say I need to get my attorney to reach out. I spoke with my attorney and pursuant to Bankruptcy laws she can't keep reaching out to Movement each servicing issue she isn't a POA to my loan and doesn't want to be. Movement is just making compliance with my XXXX difficult. I was told by a XXXX that they were open until XXXX on Friday. 

Next issue is I over paid on my loan and built up an unapplied balance which I was told that I needed to tell the person taking my payment to apply this balance to my payment. My payment is XXXX and the unapplied balance was XXXX making my payment XXXX for XXXX and I made this payment. The rep stated they had no control over if the unapplied balance would be applied. They couldn't discuss this with me another violation of the letter provided by my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I closed a bank atm card on XX/XX/XXXX due to fraud and because USAA didnt do its due diligence they allowed the card to stay open and allow other fraudulent charges to come thru on the card dated XX/XX/XXXX inthe amount of {$29.00}?? The person said they were sorry but could not offer an explanation as to why this happened. Everytime I close a card out my card is used in a fraudulent transaction. I have went round and round with this company as I used to work for this association. This is not the first time USAA has done something so fraudulent they have had many class action lawsuits against them. I just want this fixed as I have been a member for close to 25 Years

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hatfield, Inc.
State: TX

Complaint narrative:
Grid  is currently erroneously reporting late payments on my account to the credit bureaus. The late payments were due to an ongoing issue on the part of the company. All activity on the account was frozen and I was not at fault for the delay in payment. The companys app and website had a continuous block on adding or moving money for several months and there is no method of reaching customer support outside of an in-app chatbot. The company also does not provide monthly statements, despite offering credit products and holding consumer funds in an account. 

In addition to these errors, the company has owed me money for almost a year while still collecting a monthly fee from my checking account for services I was not receiving. 

The companys irresponsible use of my consumer financial data in credit reporting is currently preventing me from obtaining a mortgage. After multiple conversations with customer service, I was able to clear the balance and close the credit account but these errors are still being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : XXXX & Account Number : XXXX XXXX & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

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 2025-02-20 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:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
I recently reviewed my credit report and was shocked to see inaccurate accounts listed for reasons I do not understand. I check my credit report regularly, and these discrepancies appeared unexpectedly. Thinking it might be a temporary issue, I refreshed my browser, but nothing changed. Because of this, I am requesting that my submitted documents be carefully reviewed to ensure I never have to deal with this problem again.

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 2025-02-20 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: GA

Complaint narrative:
I am a victim of identity theft the accounts I have mentioned in this report do not belong to me and needs to be removed.

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 2025-02-20 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: GA

Complaint narrative:
I am a victim of identity theft the accounts I have mentioned in this report do not belong to me and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
All I want to do is pay off my loan. Every time I try to pay they always send the money back and when I call them they never give me a straight answer and they always say it's the banks fault. I called the banks and they say it's not them. Because of mohela my credit score dropped and there raising my debt. When it's not even my fault I try to give them money but they never want to take it. I never had a problem paying my debt untill they switched platforms. I have suffered way to much from there incompetence please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CARD Corporation
State: CO

Complaint narrative:
With the bank, they told me that my account was closed and set my dollars in my account.And I told him that I wanted.My money sent to me.Because my account was closed by them.Then they told me that there was money that was sent back to the remitter then they said they would send me a check It's just been a run around with this company and I'm tired of it. The amount was XXXX and something all dollars. {$400.00}. And the bank 's name is XXXX XXXX XXXX. Like I said that she's keeping her meat around about this account and I want my money. And another final thing that they asked me if to do was to get a letter of indentment from the remitter.And when I contacted the remitter of the check they told me that they don't know what that is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 non-monetary relief
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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

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 2025-02-20 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: TX

Complaint narrative:
In accordance with the FCRA this creditor ( XXXX XXXX XXXX has violated my rights under 15USC 16681 section 604 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-02-20 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: PA

Complaint narrative:
My sons medical bill went to collections even though he was fully covered under XXXX XXXX at date of service. I asked hospital to resubmit to insurance at time I received a bill. The hospital never contacted me or sent me another bill after so I thought issue was resolved. Now medical bill is in collections and on my credit report. XXXX XXXX never received a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation
State: PA

Complaint narrative:
My sons medical bill went to collections even though he was fully covered under XXXX XXXX at date of service. I asked hospital to resubmit to insurance at time I received a bill. The hospital never contacted me or sent me another bill after so I thought issue was resolved. Now medical bill is in collections and on my credit report. XXXX XXXX never received a claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: ARS National Services, Inc.
State: VA

Complaint narrative:
The involved debit collector has purchased or obtained my information from a creditor. 
The debit collector obtained my information and private information illegally without my consent or authorization. Nor is this debt owed to this party or do I have a contractual obligation to this collector. The amount asking to be collected is {$3900.00} the account associated with this collection is XXXX sent certified copy requesting the information. This was sent XXXX XXXX. The invalidated attempt to collect is a violation under 15. U.S.C. Code 1692 ( b ), 15.U.S.C. Code 1692 ( c ), 15.U.S.C. Code 805 ( c ).

Company response to consumer: Closed with explanation