vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Certified Mail # XXXX XXXX XXXX XXXX XXXX  To Whom it May Concern : I trust this message finds you in good health and spirits. 
I am reaching out to formally notify you of my decision to opt out of all authorizations, whether written, unwritten, or verbal, as outlined by the Fair Credit Reporting Act ( FCRA ), in my capacity as a federally protected consumer. 
In accordance with 15 USC 6802, I am exercising my right to revoke any previously granted authorizations. Consequently, I kindly request that any further use or disclosure of my information under such authorizations be ceased immediately. 
I am seeking your acknowledgment of this request and kindly request written confirmation that my decision to opt out has been duly acknowledged and implemented. 
Your prompt attention to this matter is greatly appreciated. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2024-03-11 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-11 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
Recreational vehicle loan with M & T Bank. Statements are received via mail approximately three days before the due date. I try to pay extra on the principal. The statement does not accommodate that whether paying online or in person at a branch. Sometimes I need to write two checks. One for the payment that is due and one to be directly applied to the principal. The tellers do not know how to apply additional funds to the loan because of the way it is set up. When I do pay extra the following months minimal payment reflects only the interest. I have reached out to M & T Corporate and was told that they are aware of the issues from both consumers and employees, but it is basically low hanging fruit. Nothing will be done. I have been told that this is sort of an unconventional loan. The bank in my opinion is using an unfair practice.

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 2024-03-11 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I have not been served with notice for mediation per IN Code 33-34-3-8, I was not served via certified mail per Indiana law, and Plaintiff has not satisfied necessary foreclosure prerequisites, causing a foreclosure sale to be scheduled for XX/XX/2024. I have requested loss mitigation documents to proceed with loan modification efforts on numerous occassions. Freedom Mortgage has refused to address my requests. This is a direct violation of CFPB rule 1024.41. I have been trying to resolve the foreclosure issue with Freedom Mortgage, but they continue to proceed with foreclosure and have set the XXXX sale date.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
An account with XXXX XXXX is reporting on inaccurately with TransUnion, XXXX and XXXX. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History. Account to my credit report, TransUnion is not reporting a payment history ; XXXX is reporting a repossession and XXXX is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on 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 2024-03-11 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: CT

Complaint narrative:
Mohela has been transferring loans to Mohela? They discontinued their app, making it even harder to access my account, not to mention the fact that their website has been down for the past week, making it impossible to pay my loan. Im positive they will be quick to slap everyone with late fees when in reality they have abysmal customer service and user interfacing. As one of the main federal loan companies I am sure they are making money hand over fist off of our loans, and yet they are one of the most infuriating companies to try and get ahold of. We wait months for responses and even then they are clueless and useless responses. Mohela needs to be held accountable and get their act together or I will be pursing legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: ME

Complaint narrative:
Here 's the revised version : My private student loan was transferred from XXXX XXXX XXXX XXXX to Firstmark on XX/XX/XXXX. Because they were a division of Nelnet, I had unintentionally mixed up Firstmark with my federal student loans with Nelnet. This confusion persisted until I was contacted by Firstmark and informed that I was behind on my payments. On XX/XX/XXXX, I explained the confusion to Firstmark and was advised that I could enter forbearance to catch up, with a slight increase in my payment from approximately {$140.00} to about {$150.00}. I agreed to these terms and entered forbearance.

Upon exiting forbearance and returning to regular payments on XX/XX/XXXX, I was shocked to find that my monthly payments had doubled to {$290.00}. I did not receive any notice or warning of this significant increase. When I contacted Firstmark on XX/XX/XXXX or XXXX to inquire about the sudden rise in payments, I was informed that Firstmark would investigate and provide me with information as soon as possible regarding the {$6000.00} increase in my loan amount and the doubling of my monthly payments. 

After waiting XXXX weeks without receiving a response, I contacted Firstmark for an update on XX/XX/XXXX. The representative I spoke with could not definitively explain why my loan had increased. When I asked about options for lowering my payments, I was advised to refinance with a third party or another lender. I expressed my dissatisfaction with this suggestion and, feeling defeated, mentioned that Firstmark 's website had a banner at the top informing me of forbearance assistance available due to Maine 's recent natural flooding disaster. I requested to apply for this forbearance, which was processed. However, a few days later, I received a letter in the mail stating that my forbearance request had been denied for reasons that were not provided in the letter ( attached ).

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-11 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:
I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX... PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT INQUIRIES... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ONLY LIVE AT XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX PLEASE DELETE ALL OTHER ADDRESSES. I NEVER LIVED AT ANY OTHER ADDRESS. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX NEW YORK 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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Initial deposit made from personal bank account XXXX, several case tickets were assigned when information was requested- ( 1 ) XXXX, ( 2 ) account closure notice ( no ticket available ), ( 3 ) XXXX, ( 4 ) XXXX, ( 5 ) XXXX. 

Had been promised phone contact which never occurred. 

Allegation that there was " scam activities '' on the account. 

Attempted account transfer on three occasions, however, each transfer failed. 

Account appears to remain " under review '' and each day a further date for completion is posted on the home banner. 

Copy of initial funding wire request is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: WV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-11 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: WV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am writing to bring to your attention a persistent issue I have encountered with Comenity Capital Bank regarding an overpayment made on XX/XX/2024. Despite numerous attempts to resolve the matter directly with Comenity Bank, the situation remains unresolved, prompting me to seek assistance from your esteemed office. 

On XX/XX/2024, I made a payment to Comenity Capital Bank to ensure the timely fulfillment of my financial obligations. However, due to an oversight, I inadvertently made a duplicate payment to the same account. Upon realizing my error, I promptly contacted Comenity Bank to request the reversal of the overpaid funds. 

Since then, I have diligently communicated with various representatives of Comenity Bank, including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and supervisor XXXX, in an attempt to rectify the situation. Each representative assured me that the reversal process would be initiated promptly, but regrettably, the overpaid funds amounting to {$710.00} have yet to be credited back to my bank account. 

I have provided a detailed record of my communications with Comenity Bank representatives for your reference : XX/XX/2024 : XXXX assured me that the payment would be reversed. 
XX/XX/2024 : XXXX claimed that the matter had been resolved. 
XX/XX/2024 : XXXX promised to investigate the refund but failed to follow up. 
XX/XX/2024 : XXXX informed me that the refund would take 10 days. 
XX/XX/2024 : XXXX reiterated that the refund should take 10 business days. 
XX/XX/2024 : Despite assurances from XXXX and XXXX, no resolution was reached. 
XX/XX/2024 : XXXX promised to follow up within 24 hours but failed to do so. 
XX/XX/2024 : XXXX attempted to transfer me to a supervisor, XXXX, who promised to investigate further but never followed up. 
Given the repeated assurances from Comenity Bank representatives and the prolonged delay in resolving the issue, I am seeking the intervention of the Consumer Financial Protection Bureau to facilitate the prompt return of the overpaid funds. 

I kindly request that your office investigate this matter thoroughly and take appropriate action to ensure that the {$710.00} overpayment is credited back to my bank account without further delay. 

I appreciate your attention to this matter and anticipate a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.

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 2024-03-11 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: IL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief