vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Reopening of past case- Capitol One Bank can not provide access to Tenant security account and return of security deposits in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: KS

Complaint narrative:
I received communication on XX/XX/XXXX stating my loans were being placed in a forbearance and interest would not accrue during the forbearance period. On XX/XX/XXXX, I received another communication stating interest would accrue during the forbearance period. Upon review of my loans, it appears interest has in fact been accruing since I was placed in forbearance. I am also concerned none of my prior payments has been applied to the principal amount on multiple loans. I can not confirm any information regarding the amounts applied to principal and interest per loan as MOHELA does not provide this information, even when making a payment. 

In addition to the prior complaint, I was an individual that was affected by the delaying of XXXX application which I submitted in XX/XX/year>. I was told by a customer service representative in XX/XX/year> that my application would be processed and placed into a forbearance, which was false and any change was never communicated to me. 

There is a severe lack of transparency by MOHELA, which, combined with all the other issues MOHELA has, has hurt millions of Americans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TriVerity, Inc.
State: CT

Complaint narrative:
Triverity Representative XXXX XXXX placed a call to my ex-spouse indicating that I had a debt and needed to contact them. I called and left a VM ( recorded ) on XX/XX/year> at XXXX XXXX asking them to cease communications with me and my family and friends who they had been reaching out to. 

Today, XXXX XXXX called at I have her voicemail to my ex husband, he sent it to me. These people are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a checking account at Chase bank with my grandson who has a student account under. On XX/XX/2025 we deposited a check for {$37000.00} ( distribution for trust ) into the account. The payer/maker is his uncle with the same last name. We both presented ourselves at the bank for the deposit and were told the funds would be available in a few days. A few days later I received a phone from Chase saying my account would be frozen for " suspicious activity '' in connection with the deposit. Chase froze my account for 14 days allowing automatic deposits but rejecting automatic withdrawals. 

During this 14 days of financial chaos we were asked to come into the bank and present more identification including a birth certificate for my grandson. They also asked him to get a phone in his name so they could verify him with a phone call. That was not enough so they asked the payer to present himself at his local Chase bank in California and verify his identity. After complying with all their demands, they closed our account. 

The check was paid, but Chase refused to release the money. I have been to the bank several times and have called them many times. The new demand is that the payer and the maker present themselves at the bank together, and they will release the funds. We live in XXXX  the payer in California.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: WI

Complaint narrative:
XXXX  XXXX Account XXXX In accordance with the fair credit reporting act, XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit 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 2024-12-04 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: PA

Complaint narrative:
It is unacceptable that my credit report continues to show accounts that are not mine, dragging down my credit score and credibility. Despite numerous complaints, I have yet to see any action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: PA

Complaint narrative:
I HAD A SELF " CREDIT BUILDER '' ACCOUNT IN 2021, THIS ACCOUNT REQUIRED ESCROW TO BE PLACED AGAINST THE ACCOUNT TO BE HELD FOR TWELVE MONTHS AGAINST THE EXTENDED CREDIT WHICH MATCHED THE DEPOSIT IN ESCROW. I PAID OFF THIS ACCOUNT AND THE ESCROW WAS RETURNED TO ME ON XX/XX/XXXX. SELF CONTINUES TO REPORT A BALANCE IN COLLECTION FOR WHICH I DO NOT OWE, IF YOU LOOK AT THE ACCOUNT HISTORY SINCE XX/XX/XXXX YOU WILL CLEARLY SEE THAT THERE HAS BEEN NO ACTIVITY ON THE ACCOUNT BY ME NOR DO I EVEN HAVE A CARD ASSOCIATED WITH THIS BANK. I HAVE ATTACHED THE CLOSING OF THIS ACCOUNT BELOW ALONG WITH THE STATEMENTS FOR WHICH I WAS NEVER SENT OR EMAILED PER SELF 'S COMMUNICATIONS. THIS IS FRAUD ON MANY LEVELS AND I HAVE SINCE REPORTED THEM TO THE FTC AND WILL BE REQUESTING THE STATES ATTORNEYS OFFICE INTERVENE SINCE THEY REFUSE TO REMOVE THEIR ILLEGAL REPORTING OF DEBT OWED WHICH IS BEING REPORTED TO THE THREE CREDIT BUREAUS TO DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2024-12-04 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: WI

Complaint narrative:
XXXX XXXX Account # XXXX In accordance with the fair credit reporting act, XXXX XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: WI

Complaint narrative:
XXXX XXXX Account # XXXX In accordance with the fair credit reporting act, XXXX XXXX Account # XXXX, has violated my rights.

1

5 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit 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 2024-12-04 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 formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Auto Loan Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.

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 2024-12-04 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Auto Loan Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account INQUIRIES TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.

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 2024-12-04 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: VA

Complaint narrative:
I am writing to report that I am a victim of a data breach, and the following fraudulent accounts and inquiries have appeared on my credit file without my consent. I am requesting that these accounts and inquiries be immediately blocked and removed pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$20.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$380.00} XXXX  - XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$990.00} Fraudulent Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: VA

Complaint narrative:
I am writing to report that I am a victim of a data breach, and the following fraudulent accounts and inquiries have appeared on my credit file without my consent. I am requesting that these accounts and inquiries be immediately blocked and removed pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$20.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$380.00} XXXX  - XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$990.00} Fraudulent Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
SEE ATTACHED FOR INACCURATE, UNVERIFIABLE, INCOMPLETE ACCOUNT WITH 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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
We sent a wire transfer from XXXX  XXXX XXXX  to a business account with PNC bank. Unfortunately, the business gave us an incorrect account number. This account number is not a valid account number with PNC. PNC therefore stated that the money was in limbo with their bank and needed to be recalled. XXXX  XXXX XXXX  completed the recall. PNC WILL NOT release the money and stated there is no one to contact and that they will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
the reporting of account # XXXX by XXXX XXXX XXXX on my credit report. I believe the reporting violates the Fair Credit Reporting Act ( FCRA ) due to the following issues : Account Status Inconsistencies : The account is marked as " charged off, '' but it still reflects a past-due balance of {$7600.00}. Under accurate credit reporting, a charged-off account should not simultaneously carry a past-due balance. 
Date Discrepancies : The " status updated '' date ( XX/XX/XXXX ) conflicts with the account 's charge-off date in XX/XX/XXXX, creating misleading and inaccurate reporting. 
Balance Inconsistencies : The balance reported ( {$7600.00} ) does not align with charge-off reporting standards. If the account was charged off and/or sold, the balance should reflect {$0.00}. 
Payment History and Last Payment Date : The last payment date is noted as XX/XX/XXXX, yet this conflicts with the reported status and balance details. 
These errors have caused confusion and potential harm to my credit profile, violating my rights under the FCRA, particularly 605 ( a ), 609 ( a ) ( 1 ), and 611 ( a ) ( 1 ) ( A ).

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 2024-12-04 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: FL

Complaint narrative:
the reporting of account # XXXX by XXXX XXXX XXXX on my credit report. I believe the reporting violates the Fair Credit Reporting Act ( FCRA ) due to the following issues : Account Status Inconsistencies : The account is marked as " charged off, '' but it still reflects a past-due balance of {$7600.00}. Under accurate credit reporting, a charged-off account should not simultaneously carry a past-due balance. 
Date Discrepancies : The " status updated '' date ( XX/XX/XXXX ) conflicts with the account 's charge-off date in XX/XX/XXXX, creating misleading and inaccurate reporting. 
Balance Inconsistencies : The balance reported ( {$7600.00} ) does not align with charge-off reporting standards. If the account was charged off and/or sold, the balance should reflect {$0.00}.

Payment History and Last Payment Date : The last payment date is noted as XX/XX/XXXX, yet this conflicts with the reported status and balance details. 
These errors have caused confusion and potential harm to my credit profile, violating my rights under the FCRA, particularly 605 ( a ), 609 ( a ) ( 1 ), and 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
the reporting of account # XXXX by XXXX XXXX XXXX on my credit report. I believe the reporting violates the Fair Credit Reporting Act ( FCRA ) due to the following issues : Account Status Inconsistencies : The account is marked as " charged off, '' but it still reflects a past-due balance of {$7600.00}. Under accurate credit reporting, a charged-off account should not simultaneously carry a past-due balance. 
Date Discrepancies : The " status updated '' date ( XX/XX/XXXX ) conflicts with the account 's charge-off date in XX/XX/XXXX, creating misleading and inaccurate reporting. 
Balance Inconsistencies : The balance reported ( {$7600.00} ) does not align with charge-off reporting standards. If the account was charged off and/or sold, the balance should reflect {$0.00}.

Payment History and Last Payment Date : The last payment date is noted as XX/XX/XXXX, yet this conflicts with the reported status and balance details. 
These errors have caused confusion and potential harm to my credit profile, violating my rights under the FCRA, particularly 605 ( a ), 609 ( a ) ( 1 ), and 611 ( a ) ( 1 ) ( A ).

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 2024-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I initially went into the XXXX XXXX after I closed on the home on XX/XX/XXXX to get my E-Withdrawals setup. I went to the XXXX XXXX XXXX, XXXX, PA XXXX location and was helped by XXXX XXXX XXXX while there I asked it there was a way for me to make bi-weekly payments instead of a monthly payment, I was told I was only able to make scheduled monthly payments. This was all set up and everything went smoothly until XX/XX/XXXX. 
The mortgage went from {$1400.00} to {$1800.00}. I received a letter from Fulton Bank, N.A. Member FDIC on XX/XX/XXXX warning me of this change to my mortgage amount. Upon receiving this letter I obviously panicked and jumped to the conclusion that there must have been some sort of mistake. I made it a point to call their Customer Support Number : XXXX. I spent about 2 hours trying to call in and having issues with their verification code system, they texted me several codes I needed to provide during the phone call, none of them worked and I decided since they were obviously not reachable through phone calls I would need to go in person to a branch in town.

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