vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I received an email and letter from the Department of Education. In regards to, Student Loan Discharge Based on Borrower Defense Evidence. The notice from the Department of Education stated, " Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. '' I have previously disputed with all credit bureaus and the issue has failed to be resolved. I contacted the loan servicer XXXX after receiving written notice and was advised it will be removed in 90 days. This was not resolved.

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 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-06 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX XXXX Amount {$3300.00} This account is incorrectly reporting a running balance which is negatively affecting my credit usage. This account is wrong and needs to be deleted off my report. 
XXXX XXXX XXXX This account was paid for and never charged off but is reporting as charge off. This is false. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX credit card accounts reporting false and incorrect late payments XXXX XXXX XXXX XXXXXXXX Incorrect Charge off this was a paid account and i even reopened a new account with them. This is all reporting falsely. 
XXXX XXXX XXXX No account numbers listed, this account is negatively reporting incorrect information and has been removed by all other reporting agencies but this one. 
XXXX XXXX False information and false reporting XXXX XXXX XXXX False reporting. This is reporting repossessions and late payments on this vehicle. This vehicle is 100 % paid off and in my possession. 
XXXX XXXX XXXX Incorrectly and falsely reporting late payments creating negative marks on my report. 
XXXX XXXX XXXX negatively and falsely reporting twice on my credit report. this is a against the law XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate XXXX XXXX XXXX Reporting False Late Payments Peoples Bank XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate Also they are incorrectly reporting my name. My only known name is XXXX XXXX. My only address is 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 2023-04-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
Received a bill in the mail from online information services for a debt owed to XXXX XXXX XXXX. In the amount of {$280.00}. I checked the box stating that I want to dispute this because it is not my debt and mailed it back the same day, XX/XX/XXXX. When I received another bill from Online Information Services, a few weeks later, called them and found out someone had stolen my identity. I didnt realize at first that it was two separate accounts to two different companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
About 20 years ago I purchased a small notebook from Best Buy. In the first 3 months the hard drive failed on it. They refused to honor my receipt or warranty and I still paid them for it. I believe it was about {$300.00} Im so disgusted with Best Buy and their pit bull debt collectors from XXXX XXXX, they have no shame. They call all hours of the day constantly from different phone numbers and locations. This has to stop, please help.

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 2023-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2022 I received an email informing me that my credit score had changed because of an account with XXXX XXXX I have never had a XXXX XXXX  account so I went to a local XXXX. They could not help me because they said this was my account. I was in contact with a bank representative in the legal department who said the information was accurate so no changes were made. After months of that I wrote a letter asking for information used to open the account. Finally in the end of XXXX I received a reply by mail ( letter ) saying in other words the account was not mine. Please remove the information about this account from my credit report including a previous address that does not belong 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 2023-04-06 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-06 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: WI

Complaint narrative:
I have sent each credit bureau a letter updating my personal information and for some reason they can't seem to get it right. Each report shows different personal information. I have told Experian on several phone calls and letters that my name is XXXX XXXX XXXX not XXXX XXXX XXXX. but they have not deleted it from my file. I have also told them XXXX XXXX XXXX does not belong to me and they still have not deleted it. I have updated my employer with XXXX as The United States Postal Service ONLY. They removed all other employers but added XXXX back as an employer XX/XX/XXXX, which I have not worked for them in over 10 years nor do I have any business with them. Also, there is an inquiry on my file from XXXX since XX/XX/XXXX that I have been disputing but they refuse to remove it even after I've sent letters to both XXXX and XXXX XXXX company stating that I have no business with this company and this inquiry was not authorized. I have informed XXXX in the letter and multiple phone calls that my ONLY address is XXXX XXXX XXXX XXXX XXXX, WI XXXX and they somehow deleted all old addresses except XXXX XXXX XXXX XXXX, which I have not lived at in 15 years nor have any ties to. I would like these matters to be deleted and updated right away as it is having a negative effect on my credit profile. I have attached the letter that I sent to all three credit bureaus as well as the letter that I sent XXXX that was returned to me. Thanks, 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 2023-04-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have asked the credit bureaus several times to review and verify the late payments on both accounts of Dept of ED / XXXX account number XXXX. They have came back as verified and accurate. I have researched and found that the late payments are not accurate and need to be deleted. In accordance with Fair Credit Reporting Act Dept of Ed / XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states that I have the right to privacy. 15 USC 1681 Section 604 A states that a consumer reporting agency can not furnish account information without my written instruction. And all information should be reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
For the last year and 2 months my Equifax Credit Account has been blank with no resolution. I have called and fax Equifax in regards to this because I can't do anything with my life credit wise. I first discovered this in XXXX of 2022 when I tried to pull my 3 credit bureau FICO scores, I soon realized that I all my accounts in Equifax had vanished. When I log on to Equifax website I currently have no revolving accounts, mortgage accounts, installment accounts, no public records, collections, or inquiries. My entire credit profile is gone and I can't move forward with attempting to purchase a home or anything on the sort. I'm not sure how this happen and really need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: EQUIFAX, INC.
State: NH

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Sent a signature card paper w/ Signature stating XXXX XXXX Didn't send Documentation Government I.D Copy or Social security Number/ Address on Signature Card isn't mine Wrong XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Under the Homeowners Protection Act, my mortgage holder is required to end PMI insurance once my principal balance falls below 78 % of the original value of the property. Fifth-Third Bank is my mortgage holder. 

I reached the 78 % number more than 3 years ago ( I will do further research to determine a more precise date ) but Fifth-Third insists I have to request PMI be ended. By law, that is true at 80 % of principal, but at 78 % I am not required to take any action at all. I have documents sent to me by Fifth-Third that say, " PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' I can provide this documentation. 

My mortgage loan has been set for auto-pay since its inception and I have never had a late payment or missed payment. My loan has been in good standing at all times since its inception. 

The paper statements have hidden the existence of the PMI payment within the bucket of escrow items. Whether that is intentional or not I can not say, but it is at the very least suspect. I discovered the PMI payments in the online portal, where it is itemized. Upon review, the PMI is also documented in my form 1098 where it lists an annual cost of {$480.00} per year. I believe I am owed more than {$1400.00} in illegally collected PMI payments by Fifth-Third Bank. 

I have screen shots of a conversation I had with an agent of Fifth-Third as well as the person who took over the chat when I requested escalation. Those screen shots ( dated today XX/XX/2023 ) show the bank was made aware of the law, the timetable of the issue and their own documentation that matches federal law. They were unwilling to take any action unless I made a written request. This is in violation of the Homeowners Protection Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made a purchase of a mattress ( ~ {$3000.00} ) XX/XX/2022 from Mattress Firm and opened a Synchrony bank to financing the balance. I was misled by the salesman that i can pay off in three years and but this XXXX, they charged me a huge amount of interest ( ~ {$1000.00} ). I receive no notification or phone call before they made the interest charge. 

I called Synchrony bank several times but they said that they can do nothing to do. it seems that all they want is the interest, and once charged, they will return it in no ways.

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 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Capital One Walmart Rewards card ending in XXXX had a {$0.00} balance in XX/XX/2022. Since then, charges and credits have appeared on the card that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I had an exercise bike listed on XXXX marketplace. A " buyer '' contacted me wishing to buy and asked if I accepted payments via Zelle. I texted back that I did not have an account but knew that my bank XXXX participated. The buyer said she really wanted the bike and would wait while I set up an account ( informed me it was reasonably quick ). I did so and gave her the particulars to forward the payment of {$250.00}. I received an email from " Zelle '' ( their logo and seemingly their script ) stating that I received {$250.00} but it will not be released immediately as I do not have a business account. I would have to have a transaction in excess of {$500.00} in order to qualify. I relayed this information to the buyer who was completely disappointed because her brother was ready to drive over to pick it up. She asked if she sent an additional {$300.00} in order to qualify, would I refund the {$300.00} immediately. I agreed, received another email acknowledging that and returned {$300.00} to her. Checking my bank balance I saw no activity. I was then notified ( again by Zelle logo email ) that " excess payments '' were accidentally sent and I was credited an additional {$1000.00}. The " buyer '' asked that I return the {$1000.00} as well. I now realized this to be a probable scam. I stated my suspicion to the buyer who proceeded to harass me when I stated I was going to XXXX and ask for assistance. I did so and XXXX told me I needed to wait until the funds sent ( {$300.00} ) were settled as withdrawn from my account. Seems strange that they have the account destination and could put it on hold but they insisted it go through before acting. I returned and filed a dispute when it cleared and in days received their answer that there is nothing they can do. In today 's XXXX XXXX XXXX there was an article specifically about Zelle and such scams ... with this script being highlighted as occurring often. In other words ... they know they have a problem and should have taken action when I described my situation if indeed it is that common.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have sent each credit bureau a letter updating my personal information and for some reason they can't seem to get it right. Each report shows different personal information. I have told XXXX on several phone calls and letters that my name is XXXX XXXX XXXX not XXXX XXXX XXXX. but they have not deleted it from my file. I have also told them XXXX XXXX XXXX does not belong to me and they still have not deleted it. I have updated my employer with XXXX as XXXX XXXX XXXX XXXX XXXX ONLY. They removed all other employers but added XXXX back as an employer XX/XX/XXXX, which I have not worked for them in over 10 years nor do I have any business with them. Also, there is an inquiry on my file from XXXX since XX/XX/XXXX that I have been disputing but they refuse to remove it even after I've sent letters to both XXXX and the XXXX company stating that I have no business with this company and this inquiry was not authorized. I have informed Equifax in the letter and multiple phone calls that my ONLY address is XXXX XXXX XXXX XXXX XXXX, WI XXXX and they somehow deleted all old addresses except XXXX XXXX XXXX XXXX, which I have not lived at in 15 years nor have any ties to. I would like these matters to be deleted and updated right away as it is having a negative effect on my credit profile. I have attached the letter that I sent to all three credit bureaus as well as the letter that I sent XXXX that was returned to me. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation