vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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:
I am reaching out to bring attention to the fact that incorrect information is still being reported on my credit file, despite prior disputes. This matter has not been resolved, and the errors continue to appear on my report. 

As this situation violates the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( b ), I expect that you take prompt corrective action to address the inaccuracies, which I have detailed in the attached letter. 

I trust that this issue will be handled urgently and that the necessary adjustments will be made to ensure accuracy in my credit report. 

Thank you for your immediate attention.

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 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-09-03 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: EdFinancial Services
State: CA

Complaint narrative:
I have been paying aggressively on my student loans since the mid XXXX 's. I graduated in XXXX but began paying around XXXX. In XXXX I finished grad school and consolidated my federal loans and have paid continuously, mostly double payments for decades. I should only have maybe 2 years left to pay. I have been ignore and locked out for some time now despite calling, texting, emailing and sending in web inquiries for several years now. 

After finally being able to log into my account despite my social security number being not found and my account virtually wiped out and replaced with a one year payment history and ED financial adding on another TWENTY YEARS to my repayment without notice or authorization to make changes to the terms of a loan that should have been paid off with my aggressive payment history. 

I do not believe it to be an coincidence that when I asked for principal and interest and payment amount allocation info, suddenly nearly 30 years of on time payment history is suddenly erased and my previous payment on my loan now adds another 20 plus years making my pay off XXXX despite paying since XXXX! 

I need help. These loans have been paid in full. All principal has been paid. all th interest has been paid and I've likely paid close to double what was borrowed and they want to double the amount again and add another twenty years when I should have either no or few payments left. It's very suspect that my payment is suddenly GONE and my online account inaccessible and I can not reach the servicer by phone, email or web. 

I have been asking to be referred to the ombudsman repeatedly and nothing has come of that either. 

My loans should be forgiven at this point. I've paid my dues, all payments and worked tirelessly to try and get to the bottom of why this company keeps adding time and balances to my loan. At this point in my repayment schedule, the payments should be going solely to principal not being sent more than half to interest. 

Something is terribly wrong with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, THE FRAUDULENT INFORMATION LISTED BELOW IS SHOWING ON MY CREDIT FILE BUT IS NOT MINE.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have asked proof of the appearance of the PERSONAL INFORMATION that I have no idea of.

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 2024-09-04 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: MS

Complaint narrative:
For the past two months, I have tried to reach out to your company regarding these items that I want removed/deleted off my report and so far, nothing is being done. I am filled with so much stress in life already and these inaccuracies are adding up to that- worsening my mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
I have called Equifax several times between XX/XX/year> - XX/XX/year> asking to have a dispute from XXXX XXXX XXXX deleted from my account. I need the dispute deleted in order to move forward with the equity application for my mortgage. During my last call on XX/XX/year>, I read an entire email from my lender stating I just spoke with Equifax and instead of removing the dispute they just changed the status of the dispute ; the other XXXX credit agencies removed the disputes ; can you please call Equifax XXXX more time and ask them to remove the dispute completely instead of changing the status. I was given confirmation # XXXX at the end of that call. As of today, the dispute remains on my credit. I submitted a complaint with Equifax today without a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: Winklevoss Exchange LLC
State: SC

Complaint narrative:
I have been in XXXX different data leaks. Not XXXX company made an effort to inform me of any of this. My personally identifying information was found on the dark web  and sold. I will attach a complete list of companies, if you will give me a chance to compile. Some of these companies had already been taken in front of the FTC. I have never received any notice or information. I am only now learning of all of the damage that has been done to me. My be informations that were taken has been : Name, Birthdate, place of birth, maiden name, married names Social Security Number, Adresses, telephone numbers, work, bank accounts, every piece of information except for the fact that I am a convicted felon. Through a little research, I have found that I have someone passing themselves as me in XXXX. This person even uses my address in XXXX, XXXX. Unbeknownst to them, that is the address of a state approved halfway house for prisoners being released from state prison that has no actual home plan. I will gladly gather all of the evidence and send it in as well. Off hand, I have been in XXXX data leak. XXXX. And quite a few more, like I said, XXXX different data leaks. This has diminished my credit. My information is still being used in all different ways. All obtaining bank accounts, credit, and even with private businesses. I can not get a home loan, any type credit product, or financing for nothing. Not even the legitimate business I am trying so very hard to start. This has lead to a complete financial hardship on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NJ

Complaint narrative:
My credit scores have really weighed on me because they're not enough to have a new loan approved. I am immensely stressed because there's so much inaccuracy from my 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 2024-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I Had emailed XXXX XXXX tax bill to Mr Cooper way back in XXXX, XXXX, 2024 on XXXX, and not received any response for XXXX  months that XXXX XXXX tax bill was paid. To my frustration I received the defaulted tax bill / delinquent account from XXXX XXXX in XXXX XXXX and contacted Mr Cooper for the reason why the tax was not paid. 

I contacted Mr Cooper on XX/XX/XXXX for a Refund on my Property taxes, which they did not pay to XXXX XXXX and I had to pay the {$6200.00} XXXX XXXX directly with a Penalty of {$190.00} as I did not want a penalty and delinquent account. I was then told that they would refund me the {$6200.00} via a check in XXXX to XXXX business days, which I did not receive yet. ( My Account still shows that Mr Cooper has paid XXXX XXXX taxes - Untrue, they never paid it ). I was also being charged {$770.00} each month by their escrow account for this tax as part of my mortgage. For a tax bill they never paid. 

I called them again on XX/XX/XXXX and they said that they have mailed a check of {$3900.00} towards the refund and not the agreed {$6200.00} which I paid. I asked why. They said that the balance has gone back to the XXXX account- Did not make sense. What happens to the {$6300.00} I paid directly to XXXX XXXX alongwith penalty for their delay, Their answer- We will conduct another analisys and determine what next. 

I am frustrated, that I am paying double the payments - to XXXX XXXX and the Mortgage company. I have all the payment receipts and details, which I can share on request. 

Pls help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have requested multiple times the proof the accounts appearing in my report without me knowing.

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 2024-09-04 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: CA

Complaint narrative:
This is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail,. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
At the end of XXXX ( unable to provide exact date, as Navy Federal changed my account numbers as part of the Fraud Alert and Account Recovery process and I can no longer access previous statements ) I received a notification via the Navy Federal Mobile App that money had been taken out of my account. 

When I logged into the app, I saw that {$5000.00} had been withdrawn from my checking account, which came as a surprise as I had never had that much money in my account ever. Shortly after seeing that, I noticed that a new loan had been taken out in my name, and I immediately contacted Navy Federal to begin the Fraud Alert and Account Recovery process. 

I was issued new account numbers for checking and savings account, debit card, credit card, loan numbers. I submitted the first fraud claim that day over the phone with Navy Federal, and the person on the phone said it certainly appeared to be fraudulent activity. 

Fast forward a few weeks, I got a letter in the mail saying that my fraudulent loan claim had been denied as there was " no billing error detected. '' After this, I went to my ( at the time ) local Navy Federal branch in XXXXXXXX XXXX XXXX to talk to a representative. 

After reviewing the loan application, the branch representative asked us to step outside for a moment and called into Navy Federal to what I assume was the underwriters to " give them an earful '' for approving what was an obviously fraudulent application. 

The branch representative said that the work place didn't match mine, the application listed assets that were not mine, and told us that the person in XXXX that the loan was " instantly transferred to '' went on a " good little spending spree. '' As a result of this, I filled out and successfully disputed the loan on all three credit bureaus, as well as submitted a report on identitytheft.gov, and put the report numbers on the next appeal, to no avail. 

After this, I went back into the bank to speak to another representative, who told me she " didn't understand why this kept getting denied. '' I went and filled out the paperwork once again with the branch representative and included all the credit bureau information as well as the identitytheft.gov report number, but was denied once more. 

I have also since frozen all my credit on all three bureaus. I am currently stuck in a loop of appealing and getting denied with no information provided as to why, only having what the branch representatives have told me is " clearly fraudulent '' to go off of. 

I am at my wits end, this process has been going on for over three months, and I am not sure what the next steps I need to take are to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Investigation of Credit Report Violations Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating and correcting several violations and inaccuracies on my credit report, in accordance with federal regulations. 

Accuracy and Fairness : Under 15 U.S. Code 1681, consumer reporting agencies are required to maintain the accuracy and fairness of credit reporting. I have identified several discrepancies that do not adhere to these standards.

Permissible Purposes : As outlined in 15 U.S. Code 1681b, consumer reports may only be provided for permissible purposes and with the consumers written consent. I have not authorized the inclusion of certain negative accounts on my report. 

Information Contained in Reports : According to 15 U.S. Code 1681c, consumer reports should not include adverse information older than seven years, except for criminal convictions. Certain derogatory marks on my report appear to violate this rule.

Identity Theft : Per 15 U.S. Code 1681c2, any information resulting from identity theft must be blocked upon verification. I request a review of my report to ensure that any such information is promptly removed.

Opt-Out Notices : 12 CFR 1016 and 15 U.S. Code 6802 require clear privacy notices and opt-out opportunities before disclosing nonpublic personal information. I need confirmation that I was provided with appropriate notices and options. 

The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX Additionally, my address should be updated to : XXXX XXXX XXXX XXXX, PA XXXX Please also remove the non-mailable addresses : XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX , PA XXXX I request that you investigate these issues and facilitate the necessary corrections. Please confirm receipt of this letter and provide updates on the status of these corrections within 30 days. 

Thank you for your prompt attention to this matter.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My Information was Exposed in a Data Breach and it is reporting incorrect information. It is showing a bankruptcy, and Reporting incorrect information such as XXXX XXXX, and XXXX XXXX  XXXX. Per the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. A report with FTC was also made

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX XXXX on my credit report. The late payments in question were marked on the following account ( XXXX ) on the respective date ( XXXX ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( XXXX ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX XXXX  provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than XXXX  days before the payment due date, as required under XXXX XXXX XXXX ( b ). This should also include all information mandated by XXXX XXXX XXXX ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have XXXX  days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to XXXX, and TransUnion. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief