vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i XXXX XXXX XXXX Who resides at XXXX XXXX XXXX XXXX Ny XXXX and no other additional addresses, I am asserting my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. Per the FCRA, I am now opting out of any and all authorization the consumer may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in 15 U.S. Code 6802. 
According to the FCRA, consumer reporting agencies like XXXX and XXXX are obligated to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy, as stated in 15 USC 1681 section 602a. As the consumer, I have the right to ensure that my private information isn't shared, supported by 15 USC 6801. 
Furthermore, as a financial institution, the furnisher of information to credit agencies falls under the definition provided by 15 USC 1681 section 604a ( 2 ), and they do not have my consent to furnish this information, as I have not provided written consent. 
Additionally, 15 USC 6802 ( b ) ( c ) mandates that a financial institution must inform the consumer of their right to exercise their nondisclosure option, which the furnisher of information to credit agencies failed to do. 
Moreover, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in a consumer report without authorization, yet they continue to report adverse items without my permission, violating the law. 
It is also worth noting that under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and XXXX are required to maintain reasonable procedures to avoid violations of FCRA sections and limit the furnishing of consumer reports to specific purposes, which they are failing to do. 
Lastly, as per 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time. Therefore, I am officially opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In the past XXXX weeks I have deposit my payroll checks after getting approved they will send me an email with in the XXXX hours saying that my funds are on hold for up to XXXX  days for security purposes, they won't explain the reason just that their policy changes and I have to wait, this happen before everynow and then but this is the second time in a row that has happened, I ask if this is going to continue to happen all they say was we can't promise it won't. I try explain that my mortgage is due and I needed to make my payments they told me it's not a problem to then since I should have make sure funds were available before making any payments. I ask them why is this happening and they say it was for to make sure checks were pay I remind them that those checks are my payroll payments and has been for the past 4 years and never have a problem I reach out to my payroll department and they confirm that it's not on there end I try many times to get this fix and they just said the hold will stay for security reasons no other explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I made a complaint about my pslf not being granted. I was told it was because I have not made XXXX eligible payments and only have XXXX that are eligible. On the website, I started counting payments labeled qualifying payments. I counted from XXXX and stopped counting when I had counted XXXX that were labeled as qualifying. I also saw that my qualifying employer status was removed in 2022, even though I did not change employers, making several payments not show as qualifying. I would like those payments to be counted. I tried to call and was on hold for over an hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am attaching evidence of the more than 5 errors that are showing on my credit report and that are damaging it with incorrect information that must be removed. I know they are working on the situation and I appreciate it, I have attached more evidence of the particular situation. 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 2024-03-02 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: MD

Complaint narrative:
My loans are with Mohela and I am eligible for PSLF. The qualifying payment count is much lower than it should be because they are not counting several timeframes for which I have certified eligible employment, even though my employment certification forms were approved by Mohela. Mohela refuses to update the qualifying payment counts, and I can't reach anyone in their organization who can help with this. 

I also have XXXX separate loan sequences, and the qualifying payment count is different for each of them even though they should all be the same. The reason for the discrepancy is that for a given timeframe, employment certification is recorded for some of the loan sequences but not others. Some of these timeframes that are not showing up as " qualifying '' fall during XXXX forbearance - these timeframes should be automatically counted as qualifying payments due to the special waiver, especially as I have also certified eligible employment during those timeframes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX XXXX XXXX : {$11000.00}

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
XXXX XXXX  Bankruptcy XX/XX/year> reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1100.00} XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023

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 2024-03-02 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1100.00} XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a text message from the number XXXX claiming to be Truist : asking me to verify a {$68.00} charge from XXXX in ID. I do not have a Truist account and I live on the 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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: TX

Complaint narrative:
Westcreek dba koalafi Reporting incorrect information on my reports violation of FCRA Westcreek dates and account information are incorrect Social security number incorrect Address incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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/year>

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 2024-03-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 


XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$240.00}.

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 2024-03-02 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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

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 2024-03-02 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: CA

Complaint narrative:
XXXX XXXX  : Paid an amount owed on a credit card. 
XXXX XXXX  : My credit scored increased XXXX XXXX XXXX  : After very careful consideration I used a pre-approval tool on the Credit Karma app/website and chose very carefully a card with good approval rate that was pre-approved. I was immediately denied. My credit score went down XXXX points. I ended up choosing a secured credit card which I am not using yet because I need to make a deposit due to me realizing in horror that my credit had suffered a Hard Inquiry and went down XXXX points. 

XX/XX/2024 : I tried for hours to contact customer service on their chat but no one ever answers. After more hours I found a number to Credit Karma which I believe they try to hide to not face their dishonest practices and disgruntled customers. I found out that this company is already being sued for these practices in the past! Had I known this I would've deleted the app and steered clear of this so-called company. The customer service rep said he would direct my issue to the appropriate department, and someone would contact me, but I am still waiting. I want them to fix my credit score and give me back those XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
The company told me I am on fixed income and I can't do unless I refinance and I had too much debt to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Moore Law Group
State: CA

Complaint narrative:
This debt has been disputed already from a previous debt collector which is through XXXX XXXX XXXX. I clearly told XXXX XXXX XXXX. That the debt isnt validated with my original signature. They just sent a bunch bill statements through XXXX. 
I went ahead and sent a letter to XXXX XXXX XXXX. That it is being disputed, and let them know that they werent authorized to pass this debt to anyone else since it was being disputed. 

XX/XX/XXXX The Moore Law Group LLC. company is trying to collect this debt. First they sent me a letter advising me that they are trying to collect a debt and that I have 30 days to respond. 
I then respond and request a debt validation letter, they send me a packet of papers with bill statements. Not actual proof that the debt is indeed mine. There is no signature of mine just my information which is my name, address, and an account number with an amount owed. 
XX/XX/XXXX I receive a intention to sue and incur court costs. 
THIS DEBT HAS BEEN DISPUTED. 
THEY HAVE NO REAL PROOF, or that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: TX

Complaint narrative:
I overpaid on some of my student loans and then some student loans were forgiven through the PSLF. I had asked when the overpayments were going to be applied to the student loans who have not been forgiven yet. I was provided a vague response after waiting for an email response from MOHELA for more than a month. They have an over payment yet I am receiving punctual monthly bills to pay my student loans without an adjustment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CL Holdings LLC
State: CA

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a ), states I have the right to privacy, XXXX XXXX XXXX, Section XXXX XXXX, also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. Lastly, XXXX XXXX XXXX XXXX ( a ) ( XXXX ) 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 in accurate. I'm requesting that the accounts above be deleted immediately.

Company response to consumer: Closed with explanation