vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
hello, I am a consumer and I am federally protected and I have issues with all the consumer reporting agencies and they are not following federal law and my right to have the fraud alerts removed and deleted and the credit freeze must be promptly deleted and removed. I DO NOT want any fraud alert on my consumer file. Please have these companies delete and remove all fraud alerts and freeze on all my reports. experian, XXXX and XXXX. They are causing me harm and damages as I am not getting the credit offers i am in need of. I demand that they get my reports promptly corrected. thank you

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 2024-02-16 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: PA

Complaint narrative:
When my accounts originally went to Mohelia I had filled out a consolidation and was to pay {$37.00} prior the pandemic Then since the payments were to restart I originally got a bill stating that my monthly payment would be Almost {$300.00} then when I check the account its says my Monthly payment is {$0.00}. I have been unable to speak to anyone to get this figured it out I have applied for the XXXX XXXX recently and not sure if I have been approved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Divorce decree required me to remove spouse from loan documents, I had until XX/XX/XXXX. That date has come and passed. Luckily for me I suppose my ex is not pressing me with enforcement of decree at this time. Original application with lender submitted in XXXX, I was told loan was being transferred to another lender and would need to wait until loan was fully " received '' received or processed at new servicer, even thought hey are the same companies '' XXXX and Newrez. 

XX/XX/XXXX : Submitted application for Assumption XX/XX/XXXX : emailed a request that application had been received and what to expect. 
XX/XX/XXXX : received an email from " XXXX '' at lender stating a team member would be in contact. 
XX/XX/XXXX : Emailed lender " All good thanks '' Multiple undocumented phone calls to service center in the interim XX/XX/XXXX : Emailed again request for information XX/XX/XXXX : Called at XXXX request for information the agent stated they do not have any way to communicate with Assumptions department and gave me an email address to contact for info. I informed the agent I intended on filing complaint with CFPB and she then said she would file internal complaint XXXX 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 2024-02-16 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: ID Analytics, Inc.
State: VA

Complaint narrative:
Requested SageStream , LLC which is now part of XXXX XXXX to remove the following information from my Consumer Disclosure Report they have on file. 

SECTION 3 : Other Reported Personal Information 1 ) ADDRESSES : All the listed addresses below do not belong to me nor I have ever lived at any of them : 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. PHONE # : XXXX ( This phone number is not mine ) XXXX. Requesting that all of the below inquiries be removed my account as I have not applied for credit with any of the creditors nor do I have any type of account with these creditors ( A ) 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
EQUIFAX has made two big mistakes on my credit report. 

The first mistake being they had wrong information on my credit report saying i had a student loan account in collections. when i did NOT have anything in collections. Not only was that information wrong but the details of the account information was wrong. 

I contacted Equifax over the phone spoke to a lady who helped me dispute the collections issue i had on my account. she also created an online Equifax account for me! so that i could track the status of my dispute. 

This is where the second huge mistake Equifax made begins! one week after my inital dispute i checked my EQUIFAX account that the lady had created for me to see the status of my dispute..saw that they finish their investigation so i called Equifax back to see what the answer was. 

When calling them back i had to do the exact same portocol i had to do a. week prior which is giving them my SS and address. whne doing so they said im not in their system! they dont have an account that matches that social, they said that cant help me unless i send my personal information via mail. 

i called a few more time after that to get more answers! till i finally spoke to someone who told me they mix matched my file .... meaning my personl information is on someone else SS number ( apparently its ona number off from mine ) they told me i had to send my id and my SS via mail... so i did called back a week later AFTER I SAW MY INFORMATION was delivered and EQUIFAX SAID THEY DIDNT HAVE IT AND ASKED ME TO SEND IT ONE MORE TIME. 

Mind you i have proof that my id and SS was delivered to the XXXX XXXX Equifax asked me to send it too on the XXXX at XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NC

Complaint narrative:
I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT.

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/24 a letter was sent to Experian discussing a few late payments that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.

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 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I withdrew XXXX last XXXX from my account. It said pending for over 10 days to find out they were never going to pay me because they claim my social security number was incorrect. Lies. Then i filled out a w9 still nothing. I never got my money but they paid the irs 24 percent. My money was taken out of my portfolio but I never received a cent. I have been back and forth with this for almost a year I want my money I closed my account and now have no access to my statements

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: TX

Complaint narrative:
My student loans are over paid and I am awaiting a refund that never seems to exist

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
We have tried to get this account closed so we can close the estate for over 6 months. The first request was never responded to by PNC until they sent the wrong paperwork. When we followed up, our paperwork for the estate had expired so we had to reinstate the estate. We sent that paperwork in XX/XX/XXXX. They posted as received on XX/XX/XXXX. Depsite visits to meet with XXXX, manager of the XXXX XXXX, MD branch and numerous calls the the Retirement call center, we have not received one call back from anyone and no paperwork. We asked that the call be escalated to a supervisor during every single call and all they would do is take our number and tell us that the two supervisors XXXX ( sp? ) and XXXX would call us within 48 hours. We never received a single call. After XXXX in the call center for retirement failed to provide assistance we called back and spoke to XXXX in the same call center who filed an executive level complaint ( XXXX ) - first call back was from XXXX left message and said on vacation for a week will get back to us later

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
I called the original servicer ( XXXX XXXX XXXX ) to get a payoff quote. I was directed to call the company 's attorneys " XXXX XXXX ''. I called & emailed the company 's attorneys in XXXX XXXX & again XXXX XXXX ; but haven't received a response. Suddenly a 2nd mortgage account for XXXX XXXX, XXXX, appears on my credit report. When I tried to call the company listed on XXXX XXXX, their contact number is nonexistent. After doing further research, I found that XXXX was bought out by XXXX XXXX XXXX. When I call XXXX XXXX XXXX I receive an automated recording telling me that I've called the wrong company ; I need to call XXXX. Call XXXX & again I'm directed to call their attorneys. Called the attorneys & found out that the firm & XXXX XXXX XXXX merged in XX/XX/XXXX. XXXX XXXX XXXX also bought XXXX 's servicing platform XX/XX/XXXX. I keep getting the runaround.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: McCarthy & Holthus, LLP
State: TX

Complaint narrative:
I called the original servicer ( XXXX XXXX XXXX ) to get a payoff quote. I was directed to call the company 's attorneys " McCarthy Holthus ''. I called & emailed the company 's attorneys in XXXX XXXX & again XXXX XXXX ; but haven't received a response. Suddenly a 2nd mortgage account for XXXX XXXX, XXXX, appears on my credit report. When I tried to call the company listed on XXXX XXXX, their contact number is nonexistent. After doing further research, I found that XXXX was bought out by XXXX XXXX XXXX. When I call XXXX XXXX XXXX I receive an automated recording telling me that I've called the wrong company ; I need to call XXXX. Call XXXX & again I'm directed to call their attorneys. Called the attorneys & found out that the firm & XXXX XXXX XXXX merged in XX/XX/XXXX. XXXX XXXX XXXX also bought XXXX 's servicing platform XX/XX/XXXX. I keep getting the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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 am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.

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 2024-02-16 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: UT

Complaint narrative:
all my student loans were transferred from XXXX to XXXX in 2023. XXXX is still reporting a balance of {$34000.00}. all my credit reports show now that i have a balance of XXXX when in reality my current balance is of {$33000.00}. this is affecting my credit score tremendously. please correct my balance info

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 2024-02-16 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: IL

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 2024-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have 4 inquiries on my report that I did not authorize and I have called but could not get any help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have 4 inquiries on my report that I did not authorize and I have called but could not get any help

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 2024-02-16 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I have credit inquiries from XXXX XXXX that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/scrub>XX/XX/24 a fruadulent charge was introduced by an attendant named XXXX after that an representative anounced my account was close. I have five different direct deposits and this cause a great XXXX of havoc on my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
This account was charged off on the following date of XXXX, 2023. Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history. A charged off account should NOT include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2024-02-16 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: MD

Complaint narrative:
A XXXX XXXX collection account Amount {$160.00} is reported on my XXXX, XXXX XXXX Trans Union Credit Bureau reports since XXXX XXXX have forwarded a Police Report on Stolen Identity dated XXXX XXXX to XXXX XXXX, but this account is still reflecting on the Credit Bureaus reference 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 2024-02-16 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: MD

Complaint narrative:
A XXXX XXXX collection account Amount {$160.00} is reported on my Equifax, XXXX XXXX XXXX XXXX Credit Bureau reports since XXXX XXXX have forwarded a Police Report on Stolen Identity dated XXXX XXXX to XXXX XXXX, but this account is still reflecting on the Credit Bureaus reference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
I am writing to address a matter of utmost concern to EXPERIAN regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that Experian conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

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