vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: DISCOVER BANK
State: OH

Complaint narrative:
As I was searching for options in liquidity to take care of home related areas, I came across Discover Financials XXXX and decided to apply. During the application process the digital platform advised me to contact XXXX XXXX XXXX XXXX. I contact on XX/XX/year>. Explaining the situation I was trying to take care of, where my XXXXXXXX XXXX had gone out and was looking to obtain funds to cover the replacement in addition to home XXXX. I was advised that I was " approved '' but due to the length in timing to be able to obtain funds, I should utilize Discover XXXX Loan as an interim option and could consolidate into the Equity Line once funding completed ( estimate provided of 8 weeks for funding ). Unable to utilize the same inquiry ( as separate departments ) I apply for a Discover XXXXl Loan, which came back with much higher interest terms. The XXXX Loan process had also turned into a nightmare, as I had to provide identity documents four different times ( while not receiving open communication from them and refusal to escalate during my attempts to rectify ). Funding finally approves for the personal loan, where I am still awaiting for the check to come in the mail as they refused to submit for electronic disbursement, but the account is actively established ( prior to funds being cashed ). During this time I continued going through the steps of the XXXX, where I was required to submit more documents than I have ever had to submit for any lending process ( including that of Primary mortgages - where I have purchased two homes to date ). One of the documents request the representative actually asked for a picture of one of my physical credit cards, as they refused to accept the statement reflecting the active XXXX balance. Yesterday, I received an email that stated I was being denied for the XXXX. Which comes as a surprise, considering I was already advised that I was " approved '' and went over the terms including the receipt/signature these same loan terms. I was not provided with any additional detail other than I would receive a letter in the mail providing additional information. This seems to be a complete and utter deceptive practice occurring within Discover Financial Services, to advise of an approval and option to rectify a short-term solution with another one of their products at higher terms and then to deny the full funding of the original product that was advised I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NH

Complaint narrative:
I am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically 20 USC 1232g.

Account name : XXXX XXXX  Accounts numbers : XXXX ) XXXX and XXXX ) XXXX As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.

I request that you immediately : 1. Investigate this matter and provide a detailed explanation of how and to whom my personal information has been furnished.

2. Cease any further dissemination of my personal information without my explicit written consent.

Enclosed are copies of my identification documents to assist in your investigation.

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 2024-06-30 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: CA

Complaint narrative:
XXXX XXXX credit card was paid in full and closed.showing up on credit as derogatory when account should be showing paid. Aditionaly acct start date is wrong, payment status is wrong, credit limit wrong, opened day is wrong.

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 2024-06-30 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: CA

Complaint narrative:
XXXX  XXXX credit card was paid in full and closed.showing up on credit as derogatory when account should be showing paid. Aditionaly acct start date is wrong, payment status is wrong, credit limit wrong, opened day is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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:
XXXX  XXXX credit card was paid in full and closed.showing up on credit as derogatory when account should be showing paid. Aditionaly acct start date is wrong, payment status is wrong, credit limit wrong, opened day is wrong.

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filling this report cause of the fraudulent report appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result identity theft and fraud the fraudulent account consist of a personal credit card account opened at American Express on XX/XX/XXXX under the account number is private, and a personal account XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX XXXXthese accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report.I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports cease pursuant to my rights within the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title XXXX shall include in the report an identification of the chapter of such title XXXX under which such case arises if provided by the source of the information. If any case arising or filed under title XXXX is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

( e ) Indication of closure of account by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account.

( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who 2 was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 

Account 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 2024-06-30 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:
Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

( e ) Indication of closure of account by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account. 

( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who 2 was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 

Account 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 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 2024-06-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Attached XXXX XXXX letter demanding missing monthly statements, XXXX XXXX. Attached several XX/XX/XXXX demands for missing statements, corrected statements, terms and conditions which apply from loan origination XX/XX/XXXX. Demand that XXXX observe these terms, conditions, promises, etc. 

The unmarred forward motion we enjoyed on our HELOC since XX/XX/XXXX was interrupted by XXXX  on XX/XX/XXXX. XXXX 's autowithdraw interest payments, and my principal reduction payments were handled with professional precision by XXXX XXXX XXXX XXXX, always. Never a single error or misapplication of funds. In contrast, the constant barrage of fraud, ignorance, indifference and abuse by XXXX and more specifically, it seems, by XXXX has likely contributed to my wife 's breakdown in Fall XXXX, and XXXX diagnosis in XX/XX/XXXX. She was born in XXXX, when phone numbers were one digit or two. She has suffered endless abuse for hours on end with " Customer Service '', attempting to rectify XXXX repeated blunders. For months, all she asked for was to fix the mistakes. Now, I am asking for significant restitution be paid, for complicit, prosecutable fraud, misappropriation, breach of contract, breach of terms of service and assorted other displays of criminality by XXXX XXXX and others at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX I am a victim of identity theft and reported this to Bank of America, despite me sending documents confirming me to be a victim of identity theft Bank of America still has not reimbursed me for fraudulent and unauthorized charges. I have three open claims with fraudulent and unauthorized charges and those claims should be accepted and I shall be reimbursed immediately. This has caused a financial hardship for me and my family

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting wrong information to XXXX XXXX. Equifax is reporting I owe {$250.00} to XXXX XXXX. XXXX XXXX  is not reporting this debt to equifax. When I call equifax the Customer service is rude and say they do not see the collection but on my XXXX XXXX app the collection is reporting from Equifax. Please update information with XXXX XXXX asap and remove the {$250.00} XXXX XXXX  collection off my report please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: GA

Complaint narrative:
**To : Consumer Financial Protection Bureau ( CFPB ) ** **Subject : Lack of Response from Credit Bureaus Regarding Dispute** Dear CFPB, I am writing to formally bring to your attention an issue regarding the lack of response from credit bureaus following a dispute I initiated. On XX/XX/year> I submitted a dispute to [ credit bureau names ] concerning inaccuracies in my credit report. Despite providing all required documentation and following the necessary procedures, I have yet to receive any acknowledgment or resolution from the bureaus. 

The absence of a response has caused significant inconvenience and distress, as the inaccuracies in my credit report continue to impact my financial standing and creditworthiness. I kindly request the CFPB 's intervention to ensure that my dispute is addressed promptly and fairly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
As per FCRA 605B, any misreported accounts must be removed from my credit report. Can you look into the documents? The reporting, amounts, and dates for some accounts are incorrect.

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Kindly delete these inquiries. I am unaware of this matter, and the company acted without my permission.

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Kindly delete these inquiries. I am unaware of this matter, and the company acted without my permission.

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: OH

Complaint narrative:
FCRA 605B obliges you to remove any incorrect accounts from my credit report. Please review the documents, as there are mistakes in the reporting, amounts, and dates of some accounts.

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 2024-06-30 00:00:00
Product: Credit reporting 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:
Kindly delete these inquiries. I am unaware of this matter, and the company acted without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and noticed there are fraudulent accounts/ activity on 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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
President Biden approved my student loans to be forgiven XXXX sent me a letter stating two of my three loans have been forgiven. They then reported late payments to the credit bureaus but the information isnt accurate. Ive been in forbearance for a very long time. I have no late payments.

They also issued a letter stating these two forgiven loans would be removed from my credit report within 30 days and that hasnt happened yet.

I need them to remove the late payments that they added which arent correct. I also need them to remove the two forgiven loans from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: NC

Complaint narrative:
Doing an investigation on my credit report, I found several items on there to be inaccurate. Any inaccurate information shall promptly be removed per 15.U.S. Code 1681 The following accounts and personal info are not being reported correctly. Please remove them : Personal information XXXX XXXX XXXX XXXX NC XXXX ( not my address Please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX XXXX XXXX ( wrong account information please remove ) XXXX XXXX XXXX ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove ) XXXX XXXX account ( wrong account info please remove XXXX XXXX  account ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove )

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
President Biden approved my student loans to be forgiven Aidvantage sent me a letter stating two of my three loans have been forgiven. They then reported late payments to the credit bureaus but the information isnt accurate. Ive been in forbearance for a very long time. I have no late payments.

They also issued a letter stating these two forgiven loans would be removed from my credit report within 30 days and that hasnt happened yet.

I need them to remove the late payments that they added which arent correct. I also need them to remove the two forgiven loans from my credit report

Company response to consumer: Closed with explanation