vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
I am signed up for auto-pay on my student loans ( actually my wife 's student loans, but I take care of our finances ). Each month, on the XXXX, {$210.00} gets deducted from my bank account for student loan payments. Most months, I then go in and manually make an extra payment of varying amounts. For example, in XX/XX/year>, {$210.00} was taken from my account for auto-pay, then I manually paid an additional {$230.00}, for a total monthly payment of {$450.00}. In XX/XX/year>, I paid the same auto-pay amount, and then manually paid an additional {$580.00}, for a total monthly payment of {$800.00}. Since XX/XX/year>, the auto-pay payments have been taken out of my bank account as scheduled. However, those auto-pay payments are not being reflected on Mohela 's website, nor are they being taken off of our total balance. I have called numerous times to fix the issue. Each month, they ensure me that they're working on it, and moving forward, the payments will show up on time. That never happens, though. 

To date, the issue is still unresolved with the exception that XXXX and XXXX 's auto-pay have been fixed and are now showing. However, XXXX through present 's auto-pay payments are nowhere to be found. I have even tried dis-enrolling and re-enrolling in auto-pay in hopes that would fix the issue, but no luck. 

The manual payments go through without an issue every time, but if I disenroll from auto-pay and only do manual payments moving forward, I have to pay a higher interest rate than I do while I'm enrolled in auto-pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
This notice addresses disputed late payments on my credit record that remain unresolved despite my written dispute submitted 30+ days ago. Your failure to respond or validate within the mandated timeframe violates federal credit reporting laws.

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 2024-10-31 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: TX

Complaint narrative:
This notice addresses disputed late payments on my credit record that remain unresolved despite my written dispute submitted 30+ days ago. Your failure to respond or validate within the mandated timeframe violates federal credit reporting laws.

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 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am writing to formally report an issue with Synchrony Bank, whose actions have unfairly impacted my credit score, in violation of ethical financial practices. Despite my proactive efforts to update my payment information with the bank, their failure to use the correct account has resulted in dishonored payments, the closure of my account, and damage to my credit. 

The details of my complaint are as follows : I have two accounts on file with Synchrony Bank. 

I updated my payment method to use a new account, which should have been used for all withdrawals. 

Despite this, Synchrony Bank continued to draw funds from the old account, resulting in payment rejections. 

Synchrony Bank closed my account due to the number of dishonored payments caused by their negligence. 

This account closure has directly lowered my credit score, which now reflects missed payments that were entirely avoidable if the bank had used the correct account on file. 

I have made every effort to ensure that my accounts were properly updated and managed. However, Synchrony Banks lack of due diligence in processing my payments from the correct account has caused unjust harm to my creditworthiness. I believe this situation may be in conflict with the principles of the Equal Credit Opportunity Act ( ECOA ), as the outcome appears to be a result of procedural negligence rather than any action or intent on my part. 

This situation has caused me significant financial and emotional distress, and I ask that you investigate this matter urgently. I trust that Synchrony Bank will be held accountable for its negligence and that this matter can be resolved without further negative consequences to my credit score. 

Please feel free to contact me if additional documentation or information is required. I appreciate your attention to this issue and look forward to your timely resolution.

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 2024-10-31 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XXXX XXXX XXXX I was granted forbearance for a hurricane that hit XXXX XXXX XXXX. At that time when I contacted Freedom mortgage regarding the forbearance plan they told me that in XXXX the underwriters would move my XXXX payments to the end of my original loan. I needed to call back in XXXX to see how to proceed. When I called back in XXXX I was told that my loan was now in Lost mitigation and that I would have to pay {$1800.00} by XX/XX/XXXX to bring my account current. I then asked them what the current status of my account was how could I get this out of lost mitigation and how would this impact my credit as I had noticed they were reporting XXXX days late. The representative on the phone told me all I could do was follow through with the Lost mitigation process so in XXXX I brought the loan current and paid over {$15000.00} to show it current and was clear and asked Freedom mortgage if I brought it current while it was in Lost mitigation would any delinquency be reported. They responded with a letter within their internal messaging system directly to me and said there would be no delinquency reported. I will attach screenshots regarding that as well as XX/XX/XXXX I requested a loan information sheet showing if I was current and if any debt or delinquencies were being reported via Freedom mortgage which I will include as well and they show XXXX. I would like Freedom mortgage to immediately do as they said and remove the delinquencies from my credit within the next XXXX business days so that this can be removed and we can continue on.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am not aware of this debt, nor have I ever had any dealing with this company and it is showing on my credit report. Every attempt to communicate with someone from this organization is met with roadblocks making it impossible to ascertain whether or not this debt is mine and come to terms on a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: NY

Complaint narrative:
XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX for {$320.00}, XXXX XXXX on XX/XX/XXXX for {$400.00}, XXXX XXXX on XX/XX/XXXX for {$270.00}, XXXX XXXX on XX/XX/XXXX for {$1600.00}, XXXX XXXX on XXXX for {$780.00}, XXXX XXXXXXXX XXXX on XX/XX/XXXX for {$3700.00}, XXXX on XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX  on XX/XX/XXXX for {$2400.00}, XXXX  on XX/XX/XXXX for {$700.00}, and inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've reviewed all of the hard inquiries in question on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

XXXX DATA BREACH REF NUMBER XXXX FTC REPORT XXXX NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  {$1000.00} date XX/XX/XXXX this is a formal complaint that you are reporting inaccurate and incomplete credit information according to the Fair Credit Reporting Act.609 ( A ) you are required by federal law to verify trough physical verification of the original signed contract any and all accounts you post on a credit report otherwise anyone paying for your debt is probably fraudulent i demand to see verified proof if you fail to validate remove from my account immediately

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 2024-10-31 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: GA

Complaint narrative:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally request your assistance regarding six unauthorized and fraudulent inquiries that are currently appearing on my consumer credit report. These inquiries are negatively impacting my credit score and overall credit profile. 

Details of the Unauthorized Inquiries : XXXX Inquiry # XXXX XXXX, XX/XX/XXXX Inquiry # XXXX XXXX, XX/XX/XXXX Inquiry # XXXX XXXX XXXX, Date XX/XX/XXXX Inquiry # XXXX XXXX XX/XX/XXXX EQUIFAX Inquiry # XXXX XXXX XXXX XX/XX/XXXX Inquiry # XXXX XXXX XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was approved for {$10000.00} loan. I spoke to XXXX XXXX XXXX XXXXXXXX and he advised my loan XXXX would be XXXX XXXX @ XXXX and then XXXX called me from that number. He then advised me my credit score was XXXX and he wanted to get it up to XXXX and to do that they were going to deposit some money into my account and I would go to XXXX and send it back to them the following morning. I woke up this morning and he walked me through going to XXXX and buying XXXX cash cards worth {$830.00} and sending him the pics of the front and back of the cards. I did not realize until I got home that they did not send money to my account, they moved money from my other accounts to my main account and cleaned out my bank with the XXXX money cards. Now he is telling me XXXX of the cards is not working and is trying to get me to go back to XXXX and buy another card with it. I think I've been scammed.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom It May Concern, XXXX I am writing to request the immediate unsuppression of my TransUnion credit report. I recently discovered that my credit report has been suppressed, which is affecting my ability to access important financial services. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to access my credit report and dispute any inaccurate information. I believe that my report has been suppressed in error, and I request that you remove this suppression immediately. 

Please find attached copies of my identification, proof of address, and any other relevant documents to support my request. I also request that you notify me in writing once the suppression has been removed. 

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