vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
My student loan was forgiven under TPSLF with a forgiveness date of XXXX, but the number of qualified payments was not counted correctly, and the date of forgiveness should be in XXXX to include my qualified payments from XXXX to XXXX while I was working at XXXX ( a qualified employer ). I was given a refund check to reflect loan forgiveness as of XXXX, but the check amount needs to include the payments from XXXX as well. Please review the attached qualifying employer forms, include ALL of my qualifying payments starting from XXXX ( while working at XXXX ), and refund the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Fraudulent inquires are reporting on my credit report on Equifax, XXXX, and XXXX from the companies listed below along with the inquire dates. These fraudulent inquires are damaging my personal credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SERVICES  XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I've called the credit company because I didn't apply for credit now I've owed 2 accounts without knowing what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: FL

Complaint narrative:
The XXXX, XXXX and Transunion Credit Bureaus are reporting inaccurate information in the following accounts and inquiries. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX, ACCOUNTS : 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 2023-02-28 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: FL

Complaint narrative:
The XXXX, Equifax and XXXX Credit Bureaus are reporting inaccurate information in the following accounts and inquiries. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: TN

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The List of accounts below has violated privacy and confidentiality under 15 USC1681. 

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 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 persons 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 2023-02-28 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: TN

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The List of accounts below has violated privacy and confidentiality under 15 USC1681. 

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  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 persons knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: GA

Complaint narrative:
Hi, I have two negative account on my credit report stating a balances owed. Both accounts are paid at XXXX balance, but all three credit bureaus still have the account as negative with balance. 

This is hurt my quality of life to do business transactions and personal financial accounts for me and my family. I have written to the credit bureaus and still no change. 

XXXX XXXX accounts XXXX. XXXX XXXX. XXXX XXXX  XXXX, Negative Account, Date XXXX, Balance {$160.00} Status, Account charged off. {$3900.00} written off. Balance as of XXXX {$160.00}, {$160.00} past due as of XX/XX/2023. 

XXXX XXXX, Negative Account, Date XXXX, Balance {$2700.00} Status, Account charged off. {$2700.00} written off. Balance as of XXXX {$2700.00} {$2700.00} past due as of 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 explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We had originally sent several attempts to correct the issue with CHASE and have not been successful. 
We originally had balance transfer for 0 % interest for 12 months late last year. In XXXX we accidentally used the credit card for purchase of {$220.00}. When we realized, we immediately called CHASE and send payment to pay off that balance so we do not accrue interest charges. It has been over two months since and they continue to add portions of the {$220.00} purchases under interest. We keep contacting them and they keep saying things are reversed but on the next statement the keep showing balance...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Didn't receive debt validation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: GA

Complaint narrative:
Hi, I have two negative account on my credit report stating a balances owed. Both accounts are paid at XXXX balance, but all three credit bureaus still have the account as negative with balance. 

This is hurt my quality of life to do business transactions and personal financial accounts for me and my family. I have written to the credit bureaus and still no change. 

XXXX XXXX accounts XXXX. XXXX XXXX. XXXX XXXX  XXXX, Negative Account, Date XXXX, Balance {$160.00} Status, Account charged off. {$3900.00} written off. XXXX as of XXXX {$160.00}, {$160.00} past due as of XX/XX/2023. 

XXXX XXXX, Negative Account, Date XXXX, Balance {$2700.00} Status, Account charged off. {$2700.00} written off. Balance as of XXXX {$2700.00} {$2700.00} past due as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several charge off accounts on my credit report, including the Child Support Enforcement XXXXXXXX account, XXXX XXXX XXXX XXXXXXXX account, XXXX XXXX XXXX XXXXXXXX account, XXXX XXXX XXXXXXXX account, and XXXX XXXXXXXX account. 

As you can imagine, seeing these derogatory marks on my credit report has been emotionally distressing. I have been struggling financially and have been working hard to improve my credit score, but these charge offs are hindering my progress. 

I would like to dispute these accounts and request that they be removed from my credit report. I understand that I have a legal obligation to pay my debts, but circumstances beyond my control have made it difficult for me to make timely payments. 

I kindly request that you provide me with any documentation or information regarding these accounts, including the original creditor and the date of the last payment made. Additionally, I ask that you investigate these accounts and remove any inaccurate or outdated information from my credit report. 

Thank you for your time and attention to this matter. I hope that we can work together to resolve these issues and improve my credit standing. 

Sincerely, 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 2023-02-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several charge off accounts on my credit report, including the Child Support Enforcement XXXX account, XXXX XXXX XXXX XXXXXXXX account, XXXX XXXX XXXX XXXXXXXX account, XXXX XXXX XXXXXXXX account, and XXXX XXXXXXXX account. 

As you can imagine, seeing these derogatory marks on my credit report has been emotionally distressing. I have been struggling financially and have been working hard to improve my credit score, but these charge offs are hindering my progress. 

I would like to dispute these accounts and request that they be removed from my credit report. I understand that I have a legal obligation to pay my debts, but circumstances beyond my control have made it difficult for me to make timely payments. 

I kindly request that you provide me with any documentation or information regarding these accounts, including the original creditor and the date of the last payment made. Additionally, I ask that you investigate these accounts and remove any inaccurate or outdated information from my credit report. 

Thank you for your time and attention to this matter. I hope that we can work together to resolve these issues and improve my credit standing. 

Sincerely, 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 2023-02-28 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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
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 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Google Compare Credit Cards Inc.
State: MA

Complaint narrative:
Someone got all my information and started applying for credits cards. They applied for XXXX XXXX card for XXXX XXXX ( XX/XX/2023 ). XXXX was for Google for a credit card on there through XXXX bank ( XX/XX/2023 ). Another was from Google North America INC. I disputed all inquiries through the XXXX credit places. Called XXXX to cancel the application and the XXXX XXXX XXXX was able to cancel that. The Google North American ( XX/XX/2023 ) would not help me stop or cancel it. Google was no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This is a dispute over whether I had charged at least {$20000.00} to my CapOne credit card within one year from date of opening ( XXXX XXXX ), in which case their promotion promised me XXXX reward points. CapOne has previously given me XXXX points when I achieved a lower level of spend, leaving XXXX points in dispute. 

CapOne has written me that my total charges within the year were only {$17000.00}, short of the required {$20000.00} spend. By my note dated XXXX XXXX XXXX, I responded enclosing copies of the relevant billing statements as follows : XXXX XXXX XXXX  {$1800.00} ; XX/XX/XXXXXXXX XXXX XXXX {$4600.00} ; XXXX XXXX XXXX, {$5200.00} ; XX/XX/XXXX, {$1500.00} ; XX/XX/XXXX, {$250.00} ; XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX  {$3500.00}, and XXXX XXXX XXXX {$2400.00}, equals a total of {$21000.00} within the year. I asked that if their record was inconsistent with my own, that they provide a month-to-month breakdown as they believed it to be, but they have ignored my letter and have refused to engage with me as to the discrepancy. At this point, thats all that I ask them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: FL

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ). 

XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX have violated my rights. 

The FCRA, specifically 15 U.S.C. 1681 section 602 A, grants me the right to privacy.

In addition, 15 U.S.C. 1681 Section 604 A Section 2 prohibits consumer reporting agencies from furnishing any account information without my written instructions.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse item of information, except for records of convictions of crimes that occurred more than seven years before the report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing inaccurate information about a consumer to any consumer reporting agency.

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 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have been in the middle of a loan modification over a covid forbearance plan i was on, during the modification Mr. Cooper my loan servicer did not apply a payment correctly, this was corrected and I was sent documents to sign while I was on vacation with no notice of this. When I got back I called Mr Cooper and they told me it was OK as long as they are sent by the end of the month, which they were. My modification documents were received on time ( admitted in a recorded call by Mr Cooper ) and they told me to wait and do not pay for the month of XXXX yet. I waited and called again and they stated on a phone call also recorded by the company that they were sending new documents to resign and be patient. I continued to wait into XXXX when I called again, I was told to continue waiting. Eventually on XX/XX/XXXX I called again and was told that there are no new documents and that I need to just make the XXXX and XXXX payments for the modification to finalize. I made a payment to that representative for {$3000.00} as shown in my bank statement attached, in a recorded call again by the company, to go to the XXXX and XXXX payments. Days later my mortgage was transferred to XXXX XXXX XXXX. Now XXXX XXXX XXXX displays my XXXX payment as missed and are threatening to put me in collections. I had a three way conversation with Mr Cooper and XXXX  on XX/XX/XXXX, recorded by both companies, to which I was told after an hour of the Mr Cooper representative looking into it that it clearly was paid but not applied, that it was instead applied to " bookings '' and that I should just pay the XXXX payment. I can not do this and my money is basically in limbo. I was told to send an email to address that I already emailed and got no response from. I have also attached the screenshot from the Mr Cooper employee showing my payments but not applied properly. Now as of XX/XX/XXXX MrCooper has responded to me with their final investigation and claims that a payment from XX/XX/2021 was reversed and this money was applied to that, but as I was in the covid relief plan there was no payments made at that time, so the money has effectively disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: IL

Complaint narrative:
Please remove these inaccurate 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 non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Amount is over the credit limit. I didn't give consent to charges over the credit limit pursuant to the card act of 2009 regarding file XXXX

Company response to consumer: Closed with explanation