vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I filed a dispute for unauthorized inquiry 's on my credit profile over 30 days ago and still no response from credit bureaus This furnishers has been made know by federal law enforcement department that this account is fraudulent and not authorized and they continue to report illegal information on credit report. This account should not be reporting and they refuse to remove this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I filed a dispute for unauthorized inquiry 's on my credit profile over 30 days ago and still no response from credit bureaus This furnishers has been made know by federal law enforcement department that this account is fraudulent and not authorized and they continue to report illegal information on credit report. This account should not be reporting and they refuse to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I currently have Bankruptcy that is reporting on my credit and has been for a while. A XXXX  XXXX and a XXXX  XXXX. I have been disputing for almost a year and has had no results. It keeps coming back verified with no proof that it is mine. I have had Lexis Nexis dispute this information With No results from that as well Because they claim it is where they are getting the information from But there is NO Bankruotcy on my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I currently have Bankruptcy that is reporting on my credit and has been for a while. A XXXX XXXX and a XXXX  XXXX. I have been disputing for almost a year and has had no results. It keeps coming back verified with no proof that it is mine. I have had XXXX XXXX dispute this information With No results from that as well Because they claim it is where they are getting the information from But there is NO Bankruotcy on my 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 2024-03-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I disputed the presence of a fraudulent account on my Equifax credit report, which is being reported by XXXX XXXX. Despite my repeated attempts to rectify this matter with XXXX XXXX directly, they have only removed the fraudulent account from my XXXX and XXXX credit reports, leaving it unresolved on my Equifax report. 

This fraudulent account, which I have never opened or authorized, has had a significantly detrimental impact on my credit score and financial well-being. It is imperative that this erroneous information be promptly removed from all of my credit reports to prevent further damage and restore my creditworthiness. 
As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). It is unacceptable for XXXX XXXX to selectively remove negative information from certain credit bureaus while neglecting to do so from others. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that XXXX XXXX complies with its obligations under the FCRA by promptly removing the fraudulent account from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
On behalf of the principal name XXXX XXXX, IRS form 1099-C was filed and accepted by the IRS for the amount of {$10000.00} ( XXXX XXXX and XXXX XXXX  ). As a result, Copy B of IRS form 1099-C was sent to XXXX XXXX stating the amount was discharged. The principals account balance does not reflect this and still states the amount as being owed to XXXX XXXXXXXX XXXX XXXX. The request to update the balance for the account of the principal name XXXX XXXX is hereby made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTAH XXXX I have requested for the last 4 months to correct these inaccuracies from my credit reports. These inaccuracies have been injurious to my ability to use my credit for the last 120 days. Mountain America continues to ignore my request to resolve these matters directly with the credit reporting agencies. You are the Data furnisher, you cant keep ignoring and violating laws and causing injurious damage to my credit report and my ability to use my credit has caused significant hardship and financial loss. Marking complaints as duplicates on the CFPB are recorded and avoiding the matter has caused injurious damage to my ability to correct my credit reports for the last 120 days. I am request to correct these matters with the credit reporting agencies as this is your legally responsibility to do so. The credit reporting agencies are sending letters to me by mail stating Mountain America is verifying all this information to be accurate which needs to be resolved. This is my fourth attempt through the CFPB for you all to resolve the matter with the credit reporting agencies. Removal of all reporting or monetary damages is needed for the last 120 days is needed. 


XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, FL XXXX is an undeliverable address and it needs to be removed from my credit files

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 2024-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have a credit card with Synchrony Bank for shopping at XXXX XXXX. I was originally given a purchase amount of {$2500.00}. The bank 's first unjust move was to take away my credit limit On my XX/XX/year> Statement, Synchrony bank charged me a over-blown interest charge of {$710.00}, Thereby, putting the account in " overlimit amount " of {$470.00} negative balance! In addition, Synchrony bank has added {$700.00} to my account unfairly, and took away all available balance. The financial manipulation and unfair lending practices makes paying the bill like- so to speak- spining your wheels, and getting nowhere financially with your account!

The account was consistenly paid timely and often more than the agreed amount to pay. Nevertheless, I have been pushed into the over blown interest rate charges with unfair promotions that I was not aware of as a customer. This overlimit amount certainly butchers my credit report and potentlally close credit doors to me as applicant.

I contend that Synchrony Bank connived me into a predatory loan, and is currently taking advantage of me financially. The bank 's actions amount to unfair loan terms because the practice of such is unrealistic pay-off promotins, high interest charges, and financial manipulation.
T

herefore, I ask that this Bureau investigate complaint, and order Synchrony Bank to waive or dismiss the interest charges and adjust my account according to the fundamental fairness due to a customer. Respectfully submitted, 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 monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DigniFi
State: MI

Complaint narrative:
In XXXX of XXXX a fraudulent account/loan was opened with my information through DigniFi ( Account # XXXX ). I discovered the fraudulent loan in XXXX of XXXX. I filed a XXXX report and did all the appropriate steps to get the account removed from my credit report. In XX/XX/XXXX I contacted DigniFi to inquire as to what they needed to get the fraudulent report removed from my credit report. They inform me I needed to mail in the required documents, and gave me the address. A few days later I received a mailed letter from the stating the same information i was told with the same mailing address. I then mailed all the required information plus additional information. XXXX weeks later I called from an update. They said they didn't receive the documents and I needed to mail them to the same address but add " Dispute Resolution '' on the documents. I then mailed the documents again. Another XXXX weeks passed and I called back into Dignifi. They say they still didn't receive the documents and I needed to Fax them in to ( XXXX ) XXXX. I then faxed them in and I have the fax cover sheet at proof. XXXX weeks later ( XX/XX/XXXX ) I called and talked to XXXX XXXX. He informed me they STILL haven't received the document and I needed to email them into Dignifi and he wasn't sure why i was told to mail or fax in the documents. I emailed the documents to the address he provided. I called back on XX/XX/XXXX and talked to XXXX XXXX. She they received the documents and were reviewing the case. The review process would take no more than XXXX weeks and they would call me once the review was complete. XX/XX/XXXX, I called back for an update. XXXX XXXX told me the process was STILL under review but it defiantly would be resolved by the end of the day and the loan was going to be labeled as XXXX  and it was going to be removed from my account. She also said once it was completed, she would give me a call to verify it was removed and that they would submit it to the credit companies to have it removed from my credit reports. I called back on XX/XX/XXXX and talked to XXXX. She told me the credit XXXX  report was approved but they still haven't submitted it to credit bureaus. They would be submitting it at the end of the month and after that it would take 30 days for it to update with the credit bureaus. Every time I call into this company, they give me contradicting information and always give me a time line that always comes and passes with no resolution provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Instead of using partial payments and showing a partial payment went towards the next payment on their app it looks like youve made the payment and then youve made a partial payment and so theres so much confusion regarding regular payments and partial payments that none of the payments get processed and then they get reversed eight days later instead of them being a timely transaction, they take Eight days or longer and so the app says youre all caught up and then all of a sudden youre 52 days late because theyve reversed a bunch of payments that didnt go through for like 10 days and then they charge you fees for it and then it change your credit when you thought you were all paid. When you asked the company for additional information about your payment transaction history first they say theyre gon na send it to you via email and then they dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The account was opened on XX/XX/2020, but i didn't know it was opened until a couple of months ago. I tried to dispute the account for identity theft, but the company denied the dispute. I'm not sure why, but this is one of many accounts I've had to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: IA

Complaint narrative:
On XX/XX/2024, XXXX XXXX alerted me that there was a hard inquiry on my credit from XXXX XXXX XXXX for Home/Office Furnishings . I did not recognize this hard inquiry, as I have never needed a hard pull on my credit before and am not planning on it anytime soon. I called XXXX XXXX today ( XX/XX/2024 ) and they confirmed that somebody did use all of my personal information to apply for a loan online for XXXX XXXX XXXX on XX/XX/2024 through XXXX XXXX. XXXX XXXX marked the request as fraud, but the hard inquiry is still showing on my credit report. XXXX XXXX also emailed me a Case Completion Letter for the investigation they opened.

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 2024-03-25 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  XXXX Account Number : XXXX XXXX XXXXXXXX Account 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 explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank offered a {$600.00} promo to add checking and savings account on line and mailed promos with minimum of XXXX and now refused to pay promo after 3 month time frame is well over being deposited in XXXX. 

I just spent another hour on the phone and supervisor refused to give me her supervisor or legal department and intentionally hung up and this was 2nd attempt so 2 hours of my time. 

I was told I had to have the promo ID which I guarantee was not provided on screen or I would have screen shot. I see on line they are doing this to many others. Don't let banks rip people off please.

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 2024-03-25 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-03-25 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: AZ

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-25 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: TN

Complaint narrative:
XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FIFTH THIRD BANK XX/XX/XXXX NCC/WOLFCHASE XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SYNCB/PAYPAL XX/XX/XXXX XXXX BANK DELAWARE XX/XX/XXXX XXXX XXXX XX/XX/XXXX SYNCB/PAYPAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO FINANCE XX/XX/XXXX FIRST XXXX BANK XX/XX/XXXX CREDIT XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX SYNCB/PAYPAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
They need to change my due date from the XXXX of the month to the last of the month. They are refusing.

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