vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit reporting agencies are obligated by the FCRA to report accurate accounting. XXXX XXXX XXXX XXXX reinserted a few accounts that I recently disputed as fraud on my consumer report. I advised the consumer reporting agencies that ALL accounts and inquiries reported was fraud. I advised the consumer reporting agencies that they had 4 business days according to LAW to remove such items ( inquiries, accounts ). FTC fraud report was filed on behalf of consumer ( me ). I am now requesting the consumer reporting agencies to provide the documentation used to determine inquiry or account was indeed authorized by me the consumer in fact. The consumer reporting agencies has 15 days to provide me with documentation used, name of the person spoken to, signed application with consumer wet ink signature giving permission to have said items be reported. I am not asking for an E-OSCAR report or E-OSCAR documentation. If consumer reporting agencies ( XXXX, XXXX, Transunion ) does not have documentation showing that these were in fact authorized by me, ( the consumer in fact ) it must be removed asap. The consumer reporting agencies companies are liable under the U.S. Securities and Exchange Commission to follow certain rules. 

See 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 2023-07-12 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: FL

Complaint narrative:
The credit reporting agencies are obligated by the FCRA to report accurate accounting. XXXX XXXX XXXX XXXX reinserted a few accounts that I recently disputed as fraud on my consumer report. I advised the consumer reporting agencies that ALL accounts and inquiries reported was fraud. I advised the consumer reporting agencies that they had 4 business days according to LAW to remove such items ( inquiries, accounts ). FTC fraud report was filed on behalf of consumer ( me ). I am now requesting the consumer reporting agencies to provide the documentation used to determine inquiry or account was indeed authorized by me the consumer in fact. The consumer reporting agencies has 15 days to provide me with documentation used, name of the person spoken to, signed application with consumer wet ink signature giving permission to have said items be reported. I am not asking for an E-OSCAR report or E-OSCAR documentation. If consumer reporting agencies ( Experian, XXXX, XXXX ) does not have documentation showing that these were in fact authorized by me, ( the consumer in fact ) it must be removed asap. The consumer reporting agencies companies are liable under the U.S. Securities and Exchange Commission to follow certain rules. 

See 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 explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal closed checking and savings account saying they did not like some deposits. However, will not release funds back to me. They are holding onto over {$4000.00}. They note that I must go into a branch 26 miles away to collect my funds. I do not have the means to travel 26 miles each, nor spend the 3 hours round trip it would take to do it. I am happy to provide any ID verification requested online and would like my funds transferred to me via ACH or to the address on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 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: MD

Complaint narrative:
After looking over my most recent credit report, I notice an account listed that causes concern because I am unaware of this account and question its validity. I am requesting and complete and accurate verification and of this account as stated Under the Fair Credit Reporting Act, section Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Bureaus disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. 15 U.S.C 1681 Section 602A states that I have a right to privacy. 15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my written consent. Delete this account immediately, or they will have violated my federally protected rights and can held liable for {$1000.00} per violation. The account is 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 2023-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Requested loan refund in XX/XX/XXXX. FULL loan balance was restored and I received a PARTIAL refund in XX/XX/XXXX. {$9300.00} refund is still missing. Allegedly, check was issued by treasury department but lost in the mail. Requested check to be cancelled and re-issued in XXXX of XXXX and was initially assured that it would take approximately 2 weeks. Called to follow up countless times since ( at LEAST once per month but often more ) and have been assured each time that the refund is being worked on. Eventually, in XX/XX/XXXX, I was told that nobody at Mohela ever submitted the request but that it was done at that time and would take UP TO 90 days for me to receive a refund check. I was told that my loan balance could not be accurately updated since the refund process was started even though I have not received the money back. It is now XX/XX/XXXX ( past the 90 day mark ) and I have not received a check. I called Mohela XX/XX/XXXX and was told the check has NOT been re-issued still. Mohela still refuses to update my loan balance. My credit rating has been affected by this inaccurate debt-to-income ratio as well. It has now been approximately 11 months since I first requested a refund and 5 months since I requested the re-issued check and for my loan balance to be corrected. Mohela has only ever responded to messages by stating that they need more time to look into my issue and that they have up to 15 days to respond but have NEVER reached out to follow-up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: Kikoff Inc.
State: NY

Complaint narrative:
There is an account from a creditor named kickoff being negatively reported, not only do I have no knowledge of this account but it's being reported twice as different accounts. 
This account seems to have never been used, the balance says {$24.00} I have tried to contact them via the phone # listed on my credit report but the phone # is disconnected and it says on the website they don't accept calls.The website says to fill out a ticket if there is a problem, however I would need an account # to which isn't available anyware. 
I looked into this creditor and it seems to be some kind of credit repair company where you pay a small amount of money for them to report positively on your credit report. 
So I never opened this account and there is no way to contact them and yet it is negatively being reported twice one as a closed account & one as a collection account and it says the balance owed is {$24.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: NJ

Complaint narrative:
I received a notice from my credit monitoring service that there was negative action on my report ( s ).

A company known as Credit Management , LP with an address of : Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on report ). In the amount of {$350.00} XXXX  XXXX. # XXXX Opened XXXX Reported Closed XXXX I have no known relationship with this company and who gave them permission to place something on this report? IT WAS NOT ME. 

Under 15 U.S. Code 1692g - Validation of debts, this alleged creditor must furnish proof that I have a contract with them. 

The name : XXXX XXXX XXXX is a registered trademark with the United States Patent and Trademark Office bearing U.S. TRADEMARK REGISTRATION XXXX ( see attached certificate of XXXX )

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 2023-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a lot of hard inquiries on my credit I know nothing about someone is trying to get credit cards in my name and someone is trying to use my credit and I have no knowledge of this. I tried calling XXXX they told me that I had to get in touch with cfpb I need all of these hard inquiries remove and other things that is on my credit remove I have no knowledge 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2022 XX/XX/2022 XX/XX/2022 Reporting agency, XXXX XXXX XXXX, reported account XXXX, 30 days past due, for XXXX, XXXX, & XXXX of 2022. These late payments are inaccurate, & I would like a copy of the furnished documents, from the bank statement showing exactly when those payments were made, proving each payment was 30 days late. If that can not be shown, I would like the payment history updated to all on time payments.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2022 XX/XX/2022 XX/XX/2022 Reporting agency, XXXX XXXX XXXX, reported account XXXX, 30 days past due, for XXXX, XXXX, & XXXX of 2022. These late payments are inaccurate, & I would like a copy of the furnished documents, from the bank statement showing exactly when those payments were made, proving each payment was 30 days late. If that can not be shown, I would like the payment history updated to all on time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2022 XX/XX/2022 XX/XX/2022 Reporting agency, XXXX XXXX XXXX, reported account XXXX, 30 days past due, for XXXX, XXXX, & XXXX of 2022. These late payments are inaccurate, & I would like a copy of the furnished documents, from the bank statement showing exactly when those payments were made, proving each payment was 30 days late. If that can not be shown, I would like the payment history updated to all on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: DC

Complaint narrative:
TransUnion is reporting inaccurate information on my credit profile I've asked TransUnion to do a full investigation into this fraudulent account and delete it immediately however TransUnion is continuing to report fraudulent information on my credit profile with no explanation of the investagation

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 2023-07-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Last month a collection account XXXX XXXX XXXX showed up on my account as a collection for XXXX XXXX XXXX. I have not had service with XXXX XXXX XXXX and have not received any notice in regards to any collection. The collection agency did not have the name or address on my credit file. I disputed the account via Transunion on XX/XX/XXXX. Today XX/XX/XXXX I receive a email to link the results and TransUnion ILLEGALLY verified the account and let XXXX XXXX XXXX change the NAME on their account to MY NAME. So, instead of deleting the account that didn't match my record. They ILLEGALLY verified it and allowed the collection agent to CHANGE the name to my name. The last time I had service with XXXX XXXX XXXX  was several years ago and it was a prepaid account with {$0.00} balance. This new collection has nothing to do with me and should never have been verified. Please contact TRANSUNION for engaging in and allowing illegal practices. For reference XXXX saw that the record did NOT match and immediately DELETED it. Meanwhile, TRANSUNION is allowing XXXX  to CHANGE the record to match 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 non-monetary relief
Consumer complaint received 2023-07-12 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I hope you are doing well as I write this. I'm writing to alert you to a troubling issue about the reporting of late payments on my XXXX account with the first four  digits XXXX. I believe that my rights as a consumer, as protected under federal law, specifically 15 U.S.C 1666b, have been violated due to not adopting reasonable procedures by not notifying me 21 days before the payment due date outside of the billing statement. 

I have been a loyal customer of your company for two years, and I have always strived to maintain a good credit history. Additionally, you failed to provide me with the correct notice required by 15 U.S.C. 1681s-2 ( 7 ) for the provision of written negative information to me as a consumer. In accordance with 15 U.S.C. 6802 ( b ), I was never given the chance to choose whether or not my information or account will be provided to outside parties ( all credit agencies ). I asked that you update this late payment that was XX/XX/XXXX that was opened on XX/XX/XXXX to an on-time payment. 
This late payment has been adverse to me as a consumer who always pays on time. I trust that you will handle this matter with the urgency and professionalism it deserves. Please provide a written response within 30 days of receiving this letter. I appreciate your quick attention to this issue and eagerly await your reply. I appreciate your prompt attention to this important issue. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a derogatory account on my report that should not be there from XXXX XXXX XXXX  XX/XX/22. That information is inaccurate. I spoke to XXXX XXXX when this situation first occurred, and they agreed to contact the bureaus and remove the XXXX late payment. they contacted you remove it right after I was notified of the negative remark. the next month my points came back, and I was happy, but the bureaus never removed the remarks. please remove these remarks so that I can try to purchase my dream home, I don't want these remarks to negatively affect the image of my credit worthiness

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 2023-07-12 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
XXXX XXXX last 4 SSN XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX Michigan,XXXX Dear Customer Relations : This letter is in reference to a late payment with the account I have with your company Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX last 4 SSN XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX Michigan,XXXX Dear Customer Relations : This letter is in reference to a late payment with the account I have with your company Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX XXXX last 4 SSN XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX Michigan,XXXX Dear Customer Relations : This letter is in reference to a late payment with the account I have with your company Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation