vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
6 weeks ago I called Experian and requested a copy of my credit report. At the time I was told that I could not get a copy of my report because I had an active investigation pending. I was told to wait a week and check back. 
I checked back in a week and was still unable to get a copy of my report. So I called back. At that time the agent told me that the reason I couldn't get a copy of my credit report was because my account did not have an address. I was stocked and confused because I the credit reports I seen did have my address on the report. The agent then told me that since my driver 's license was on file, she could update the address information using my license. I confirmed that the address on my driver 's license was correct. Then the agent told me to wait 72 hours. I waited the 72 and again I could not obtain a copy of my credit report. So I called back and again I was told that my account did not have an address. So again I updated the account with my address. I was told to wait 72 hours. But again I was unable to obtain a credit report. I called back and I was told that my account was being updated and to give it a few more days. I did that and when I called back and was again unable to obtain my credit report I was told my an agent that I needed to send in additional information. This was NEVER told to me in the 6 weeks I have been attempting to get a copy of 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 non-monetary relief
Consumer complaint received 2024-01-29 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: IL

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
My student loan is serviced by Mohela. My acccount has been in good standing with my payments made timely. In XXXX I received the communication from Mohela that my loan is now paid in full. I am told that within 3 months this change in amount owed would have been communicated to the 3 credit reporting services. I keep checking and the amount is still reported to the credit report services even at this date, XX/XX/2024. The balance, which still appears on my credit report, negatively affects my credit score and so I would like to know how soon Mohela will report the updated information so that my credit report can accurately reflect the true picture.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: GA

Complaint narrative:
Apparent checking my credit report I have a fraudulent account from a company called XXXX XXXX.  It opened up on XX/XX/year> saying that I owe XXXX XXXX {$58.00}. I am Big on my credit {$58.00} I would have paid. I also have proof that I have a zero balance with XXXX, I recently moved and I took my XXXX account with me. There is no balance and I will be uploading my recent bill. I have no idea why this fraudulent account is on my credit 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 2024-01-29 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: CA

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.

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 furnish 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 2024-01-29 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: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  ( debt collection agency ) stated they closed case XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) No collection ( cancelled /closed/ no longer in collections ) XXXX XXXX  XXXX XXXX XXXX transfer me to XXXX XXXX  stated they will take care of all my issues!! 
XXXX XXXX  sent me an email stated they closed the account 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 2024-01-29 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:
I recently pulled my personal credit file as I am preparing to get business funding and have received multiple emails from a collection agency in regards to account ( s ) that do not belong to me. The employment info listed on my personal credit report is incorrect and i would like XXXX XXXX XXXX and XXXX XXXX XXXX removed from my employment info. I also see false addresses on my credit report and I need them removed ASAP to prevent important mail from going to the wrong address potentially causing significant issues with receiving mail. The only mailing address I use is XXXX XXXX XXXX XXXX XXXX FL XXXX and all other addresses need to be removed immediately. I do not live at XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. There is also a collection from XXXX XXXX XXXX  that do not recognize ... this needs to be deleted or verified. Overall I see accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i am disputing with EXPERIAN as well again as they refuse to send me verification when requesting information from EXPERIAN or Accounts.

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 2024-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have settled my debt he following creditor Capital one on XX/XX/XXXX. I have enclosed copies of the settlement letter/ proof of payment. They now have proof that this debt is no longer collectable, therefore I demand that this company removes this account ( Capital One - Account Ending in XXXX {$300.00} ). 

I reached out to the creditor on XX/XX/XXXX via phone call requesting a copy of 1099-C, which they failed to provide copy. 

The creditor only sent paid off letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
my XXXX  stole my debit card and phone while i was XXXX  from XX/XX/year> to XX/XX/XXXX XXXX he stole over {$3000.00} from my checking account and after overdraft fees it totaled over {$4000.00}. I provided police reports including his charges. bank denied my claim and closed my account leaving me completely broke.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: DISCOVER BANK
State: SC

Complaint narrative:
I have disputed with the bureaus several times that this account was paid I was promised it would be remove upon paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
Round Point Mortgage company was supposed to pay home owners policy in XXXX XXXX. Never paid the policy. I keep calling them over and over to get this resolved including multiple 3 way walls with the insurance company. They havent paid. They keep saying it will be resolved by XXXX date. I wait for the date and nothing has changed. Im flat out lied to by their staff over and over again. They refuse to provide proof of payment and they have been no help at all.

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 2024-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Charge off as of XX/XX/2023 This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, income does not get reported on the consumer report, which in fact makes reporting of this account inaccurate! 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( CAPITAL ONE ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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:
Credit reporting agencies must adhere to reasonable procedures for the collection, maintenance, and distribution of information, as mandated by the Fair Credit Reporting Act ( FCRA ). The FCRA also imposes accuracy standards on creditors providing data to these agencies. Despite this, my credit report currently shows several inaccuracies in reporting accounts and inquiries, and I lack information about these accounts. XXXX XXXX is imperative.

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 2024-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am now financing a second vehicle through Wells Fargo. For the entire life of my previous loan, I would have to call them every month to correct them as to how the payments should be applied. My payment was about {$270.00} per month and I would send in {$500.00} to pay down the principal and save me some interest over the life of the loan. Month after month, they were applying the additional funds to future payments. I know this because, XXXX. ) the statement for the following month would show I only owed about {$25.00} instead of the regular {$270.00}, and XXXX. ) they told me this is how they processed payments. 

I referred them to their own paperwork which says that payments are ( in so many words ) applied first to interest, then any fees, penalties or late charges and the remaining amount to principal. Even after reminding them of their own wording and my XXXX years in the mortgage lending industry, they continue telling me that " these are their rules ''. They try telling me that once the future payments add up to XXXX months of advance payments, THEN they will apply any overage to the principal. 

If they do this to every customer that pays extra in hopes that they are saving interest, they are likely costing the public millions of dollars a year in undue interest.

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
Transactions are going through on a closed card and the bank said that i should expect that. I deactivated debit card should not be able to access my funds in an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: IL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: IL

Complaint narrative:
Credit reporting agencies must adhere to reasonable procedures for the collection, maintenance, and distribution of information, as mandated by the Fair Credit Reporting Act ( FCRA ). The FCRA also imposes accuracy standards on creditors providing data to these agencies. Despite this, my credit report currently shows several inaccuracies in reporting accounts and inquiries, and I lack information about these accounts. XXXX  correction is imperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: NJ

Complaint narrative:
I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for its repeated failure to respond and investigate the discrepancies on my credit report. Despite multiple attempts to dispute inaccurate information, I have not received a satisfactory resolution from TransUnion. 
The items in question that I have been disputing are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX and XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Additionally, I have been disputing inaccurate names and addresses listed on my credit report. My attempts to address these issues with TransUnion have been met with minimal response. 

For your reference, I have sent disputes to TransUnion on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, the only response I have received from TransUnion was dated XX/XX/XXXX, which stated, " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' The Fair Credit Reporting Act ( FCRA ) explicitly mandates that if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine accuracy. TransUnion 's failure to undertake a reasonable investigation upon receipt of my dispute is a violation of my consumer rights under the FCRA. 

Enclosed, please find a copy of my dispute letters sent to TransUnion and their response from XX/XX/XXXX as proof.

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
I have contacted this organization several times daily. I have asked for management call backs. Received XXXX call when I specified hours that I was available and supervisor call when I was not available and voicemail left saying they would call back and never received a call back it too 8 Days for a voicemail. Documents sent to me said XXXX business days andi can email documents to email I was told they no longer accept email but documents say XXXX business from receiving email. Documents sent to me are fraudulent. Conversation with CSR recording misleading. Please see below confirming numbers XXXX XXXX * Agent failed to take notes on recorded call by the name of XXXX... no one knows who he is. 
XXXX XXXX XXXX XXXX Supervisor failed to give callback for 5 days. 
Supervisor failed to pull calls and investigate issues. 
Optum fails all call center policy, SEC AND FEDERAL GUIDELINES. 
THIS institute is stealing my funds refuse to close my account. For 2 months because I complained. Against form document.

Company response to consumer: Closed with explanation