vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: AL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I did an internet search for a used XXXX XXXX Fusion engine, a short while after, I received a phone call from XXXX XXXX ( XXXX ) who offered to sell me a used XXXX XXXX Fusion Engine with XXXX miles for {$1800.00}. After performing some research, I visited the company 's website performanceautosalvage.us, and decided to purchase the engine, after exchanging several emails with XXXX, he said his company does not accept credit cards, only Zelle. I eventually sent the Zelle payment as he instructed : Payment was sent to XXXX XXXX XXXX XXXX : XXXX for {$1800.00}. After several weeks of calling, they kept hanging up the calls. I filed a complaint with the Illinois Attorney General and made several complaints through my bank ( XXXX XXXX XXXX XXXX XXXX ) to Zelle, but have received no response. 

Here is the Zelle instruction from XXXX 's email : PAYMENT EMAIL ASSOCIATED WITH ZELLE ACCOUNT XXXX The part will be inspected and delivered to you. Once the part is shipped out we will email the tracking number If you receive a damaged part or an incorrect part please notify our customer service department. Returning the part is the responsibility of the customer and XXXX XXXX XXXX must be provided with a return tracking number when the item is returned. The item must be returned within XXXX business days of the receipt of the XXXX. The return address will be provided at the time we are contacted. Parts must be returned to the location address provided upon receiving XXXX. Once the item is returned it will be inspected and upon approval a credit request will be forwarded to accounting. Customer refunds are issued within XXXX business days once the returned part has been verified and inspected. 

PART DETAILS : TESTED GREAT LOW MILES READY TO SHIP CLEAN RAN AND TESTED, FREE DELIVERY WARRANTY AVAILABLE COMPLETE ASSEMBLY READY TO INSTALL CERTIFIED AND INSPECTED PRICE & POLICY :. 
TOTAL > {$1800.00} DELIVERED WE DO HAVE RETURN AND REPLACEMENT POLICY AND WE DON'T CHARGE FOR THAT IF ANYTHING GOES WRONG WHILE SHIPPING OR YOU GET THE WRONG PART WILL MAKE SURE EITHER WE GET YOU OTHER PART OR REFUND THE MONEY. 

Thank you for considering our services. We look forward to hearing back from you soon. 

Best regards, PERFORMANCE AUTO SALVAGE Direct Number XXXX

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: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to submit an official complaint to the XXXX XXXX XXXX XXXX XXXX  ) concerning my interactions with Equifax, XXXX, and XXXX. Despite numerous attempts to address inaccuracies on my credit reports, I have not witnessed any substantial progress or received confirmation that the discrepancies have been promptly rectified, as mandated by the 15-30 day time frame. These inaccuracies have caused significant financial distress, and I am in dire need of a timely resolution. 

I have repeatedly initiated contact with the credit bureaus through their official dispute channels to rectify inaccuracies linked to dates, prices, credit account numbers, and account information. These errors on my credit reports have presented considerable obstacles in securing loans, housing, and vital financial services. I have attached copies of my credit reports, underscoring the discrepancies, along with the records of my prior disputes for your reference. 

The absence of a constructive response and a swift resolution to these inaccuracies has given rise to unwarranted financial hardships. I am deeply concerned about the adverse influence of these inaccuracies on my creditworthiness. I am pursuing the following actions to mitigate this situation : A comprehensive review and the immediate correction of all inaccuracies on my credit reports, in line with the legally required XXXX day period. 
A directive to Equifax, XXXX, and XXXX to expeditiously update my credit reports with the revised and accurate data. 
An equitable compensation to address the financial losses I have sustained due to these inaccuracies, which include economic hardships and emotional distress. 
I firmly believe in the critical significance of dependable and equitable credit reporting to maintain financial stability. The credit bureaus have not met their duty of providing accurate credit data and have been instrumental in causing financial distress and challenges. 

I humbly request your assistance in facilitating the resolution of this issue. Please provide updates on the progress and outcome of this complaint. I stand ready to cooperate completely by providing additional information or documentation, as may be necessary, to expedite this dispute. 


Thank you for your expeditious attention to this urgent matter. I trust in the XXXX XXXX  commitment to ensuring the practice of fair and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX requested from Mr. Cooper to end of the XXXX Forbearance on or about XX/XX/2023. XXXX XXXX received a correspondence dated XX/XX/2023 from Mr. Cooper outlining the Current Payment and Terms of which they contend includes a Partial Claim Amount of {$77000.00}. This is incorrect, there is no partial claim. Additionally, instead of assisting the consumer with modified terms that are rational in nature [ and non-predatory ], they instead are selecting to put consumers in a predicament that puts them further in debt and worse, puts their homes at risk of foreclosure. This is evident in the Estimated Modified Payment and Terms that Mr. Cooper is proposing on the letter : i. Increase interest rate from 3.125 % to 8.000 % ii. Change remaining terms from 360 to 480 months iii. Change total monthly payment amount from {$1300.00} to {$1900.00} The amount in arrears as of XX/XX/2023 is {$5000.00}. Mr. Cooper instead of rationally deciding to place this arrears amount to the end of the loan, they choose predatory practices by extending loan term 10 years and changing interest rate to more than market rates for a primary home. 

In addition, Mr. Cooper and the loan servicer, XXXX XXXX XXXX XXXX XXXX. are failing to adhere to XXXX XXXX as a member of the military. XXXX XXXX asks the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX to thoroughly review of the above-named mortgage servicers lending practices. 

Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In 9accordance to the fair reporting credit act these Creditors have violated my rights. Under 15usc-1581sectiom 602, states I have the right to privacy. Under 15usc a consumer reporting agency can not furnace an account without my written permission or instructions a credit or may not treat a account or plan as late for any purpose.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: John C. Heath, Attorney at Law, PLLC
State: AZ

Complaint narrative:
I have several pay day loans that were sold to collection agencies and the XXXX continue to call and lvm 's. I've advised that I filed bankruptcy and can not pay.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a charge off with the XXXX XXXX XXXX  company. I paid this card off and it should just say paid off. It is impacting my credit negatively when I paid the full balance. I wish to get this off 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: 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: TX

Complaint narrative:
I reported this company XXXX XXXXXXXX on my identity theft report quite some time ago as this was an account that did not belong to me. The charges were removed from my credit report, now suddenly Midland credit management is attempting to collect on this XXXX XXXXXXXX account that was reported as a fraudulent account so it seems as though credit one has sold this account to someone else in an attempt to collect a debt that doesnt belong to me, this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: NC

Complaint narrative:
On XXXX I went into my account with Mohela to see if they processed my PSLF application and my recertified income-driven repayment plan. First, I was denied forgiveness under the XXXX program back in 2022. I was informed that my loans did not meet the XXXX payment requirement, in fact the notice said I made XXXX payments. I filed a complaint with the XXXX DOE and an appeal and was directed back to Mohela. I have submitted by XXXX XXXX times to document that my employment in the nonprofit sector continued well beyond XXXX and is still present. That form has been submitted XXXX times via email and I also recently completed it through the XXXX DOE and it was signed on XXXX. Mohela has ruled that my employment and payments are classified as " employment not certified ''? According to my calculations, I have exceeded the XXXX payment requirement. 

Second, Mohela changed my loans to forbearance without any authorization or request from me. There is very little explanation about this change. I did not request this nor ask for it. I understand that this is a tactic by loan companies to steer borrowers from moving forward with the XXXX. It was also interesting how this forbearance came forward after I recertified the XXXX under the XXXX program, after a newly calculated amount. My concerns are many but most importantly an error in their PSLF calculations and putting my loans into forbearance, which goes on my credit report. 

I am asking you all to respond and address these issues. 

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
I received a personal loan from PROSPER on XX/XX/XXXX in XXXX for {$15000.00} XX/XX/XXXX I requested a credit card increase from XXXX XXXX XXXX and the bank then sent a check for {$13000.00} to Prosper at the address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 
I waited over XXXX week but heard nothing back from Prosper so I contacted my bank and a representative told me that the check was sent to Prosper on XX/XX/XXXX. I called Prosper to asked what happened to the check that was sent by my bank and the Prosper representative told me that I sent it to the wrong address so I explained to her that is the address that is in my email. I had to called back XXXX XXXX XXXX and explained to them that PROSPER stated that they never received the check, ( XXXX  ) immediately placed a stopped payment on the check. I called back Prosper and told them this and I was given a different address to mail the check. NO further checks were mailed because we ( XXXX ) wanted to wait to make sure no one tried to cash the first XXXX. However, on XX/XX/XXXX PROSPER updated my account balance {$13000.00} paid in full. I was shock I called/email to let them know that a stopped payment was placed on the check. They got me for insufficient fees, late payments fees and other fees. I have email and made phone calls and was told that those fees were waived, but they are not. The loan agreement is for me to pay {$310.00} per month on the XXXX but because of all the confusion I requested for them to changed the payment date for the XXXX of each month. Now Prosper is auto withdrawing extra fees 2 times in a month separately from the {$310.00} loan payments without my permission, this is causing a great deal of hardship.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: TN

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

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: TN

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

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: MD

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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: MD

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
I signed up with SQUARE , INC payment processor about XXXX weeks ago to transact payment for my online Educational content that I sell. 
We were fully approved for the account within a day and we began to process payments. 
Everyday I would get reminders that I need to submit information more information about my business which I did time and time again. 
I received a notifications that I would receive the funds after XXXX days which never happened, and today I received a sudden notification that they terminated my account and they will hold all my funds for XXXX days. 
They are collecting interest on my liquidity and refusing to speak with me on the phone of via email. 
We have a legitimate business which has done over {>= $1,000,000} in volume in XXXX

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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief