vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-10-19 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: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.

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 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am a victim of identity theft, and I reached out to one to try to get this resolved. They have three accounts that were results of identity theft. The closed/charged off accounts were for {$480.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX and {$730.00} on XX/XX/XXXX. I reached out to the fraud department multiple times to have it removed. They told me about an address that I am not associated with. They havent done any thorough investigating because no one from their department has reached out to contact me or ask me any questions to confirm any information theyve received. I also sent them an identity theft police report along with an FTC identity theft report. The negative accounts are damaging my credit and I would like this resolved properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Starting the third week in XXXX my escrow balance is {$1800.00} and my principal balance is {$1200.00}, Shellpoint Mortgage will not allow me to used escrow balance to pay off my loan, so I would go online a complain every week since XX/XX/XXXX, but each week Shellpoint Mortgage send me a letter saying, " We are working to gather the requested information and will forward it to you as soon as possible. '' I have received three letters but no answer to my question. I called to talk to a manager on XX/XX/ and was told someone would call me back, still waiting. During the conversation on XX/XX/ I was told to make my monthly payment of {$1500.00} ( {$430.00} is my T @ I ) but I kept trying to explain that my escrow account is larger than my principal balance. Now Shellpoint has now added a late fee but refuses to answer my question, also ; each month Shellpoint would send me a monthly statement/coupon to make my next payment, after I made my XXXX payment Shellpoint has not send me my XXXX statement/coupon to make my XXXX payment.

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 2023-10-19 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: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I entered into a lease agreement with GM Financial who at the time did not advise me of my right to opt out nor was I given any information with regard to the Truth in Lending Act, or any other rights I may have been afforded by law. From XXXX of XXXX until XX/XX/XXXX, I made approximately 14 payments amounting to {$6400.00}. It is my understanding that vehicle was charged off in XX/XX/XXXX. I never received and notice of repossession and when I called GM Financial regarding the status of the vehicle in XX/XX/XXXX. I was told that the XXXX XXXX XXXX had advised GM Financial not to return the vehicle. The XXXX XXXX XXXX 's advice has no bearing whatsoever over GM Financial nor any other corporation and confiscating minus a Judicial or court proceeding my property is a gross violation of my rights. Further, the vehicle was charged off in XX/XX/XXXX, again without notice to me and GM Financial has yet to communicate this information to me as well. GM Financial has violated my rights at every turn and had continued to contact me four years after the fact for payments. GM Financial has also report this adverse information on mt consumer report along with an allege debt of # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My identity was stolen. They froze the account and I can't get access to my money.

The bank says it is under review. It has been for two weeks. I am being told security does not take in bound calls. I have no idea when I will get my money back and no one at Synchrony Savings will tell me

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 2023-10-20 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: DC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-19 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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. Has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 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 2023-10-19 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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. Has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: OH

Complaint narrative:
I am enrolled in the PSLF program. I have contacted Mohela ( my federal student loan loan servicer ) several times about my PSLF eligible payment count. Their count is off by 12 payment months. I also contacted Student Aid.gov. No change, no result. 

1. I worked for the XXXX XXXX XXXX XXXX XXXX from XXXX, but Mohela only counts XXXX. They are missing two eligible months : XX/XX/XXXX ad XX/XX/XXXX. I have submitted correctly completed Employment Certification Forms ( EFCs ) s. 

2. I worked for XXXX University from XXXX. Mohela has not counted XXXX ( 10 months of payments ) as eligible payments. I sent the ECF, but Mohela said the form was a duplicate. This is because I sent an ECF for every year I worked for XXXX University and when they received my latest form in XXXX, XXXX they saw it was from XXXX  University and assumed it was the same form I had sent for the last 4 years. It was for and from the same employer, but borrowers are supposed to update with a current EFC each year to update their payment counts. 

When I go to my account on Mohela my eligible payment count stands at XXXX/XXXX payments. It should read XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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:
My loans have been paid. I sent Transunion the letters, and all they did was update the loans as deferred. The loans have been paid. Please see the attachment from XXXX. They need to go through and address them accordingly. Some have been paid off, and others are in deferment. There are two different letters. According to both XXXX and the government website, I only owe XXXX XXXX dollars in loan. ' They did not research or call the company. The completed the investigation in less than 24 hours. So I know that they did not do their jobs.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-19 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: TX

Complaint narrative:
Ive made several attempts to have XXXX investigate and remove these accounts from my account. Ive called and submitted disputes. These accounts are inaccurate and have been removed from my other credit profiles. In my most recent call to the company a representative told me even if the information and had been removed from my other reports that each company would have to contact them and have it removed which doesnt make sense.

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 2023-10-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive made several attempts to have XXXX investigate and remove these accounts from my account. Ive called and submitted disputes. These accounts are inaccurate and have been removed from my other credit profiles. In my most recent call to the company a representative told me even if the information and had been removed from my other reports that each company would have to contact them and have it removed which doesnt make sense.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
same issue i reported last year : XXXX and XXXX still both demand a mobile phone number, which they have no right to and will place on the report iteself, before providing the report which is required by law. experien demands hard copies of ID as if i don't exist, which have been sent over the decades several times as i am almost XXXX years old. none of the 3 major bureaus will provide my annual report. 

again, it is illegal for them to demand my mobile phone number before providing my report as required by law, and if they don't stop demanding mobile numbers before providing the reports, perhaps a class action lawsuit is in order.

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 2023-10-19 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: FL

Complaint narrative:
Please see the attached documents to understand what had happened.

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 2023-10-19 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: AL

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: WA

Complaint narrative:
In XXXX I called Avant to have the annual fee waived and close my account. I had the account open since XXXX, I believe, and never received the credit card in the mail. I never once used the account. I decided I didn't need it any more and wanted to close it. When I spoke to the associate and explained what happened, I was assured that the fee would be waived as a courtesy and my account would be closed. I made sure to clarify 3 times that the fee would be waived.They closed the account but did not waive the fee. This resulted in late fees bringing my balance to around {$110.00}. I've been getting calls every few hours from Avant alerting me that I have a payment due. I called them today to clarify what's going on and why I have a balance to pay, when I was told the fee was waived. They just apologized that I was given misinformation and are still expecting me to pay the balance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-19 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: TX

Complaint narrative:
Ive made several attempts to have Equifax investigate and remove these accounts from my account. Ive called and submitted disputes. These accounts are inaccurate and have been removed from my other credit profiles. In my most recent call to the company a representative told me even if the information and had been removed from my other reports that each company would have to contact them and have it removed which doesnt make sense.

Company response to consumer: Closed with non-monetary relief