vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-19 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: IL

Complaint narrative:
Dear CFPB Team, Im reaching out again because I feel completely stuck and unsupported in dealing with the fallout from my stolen wallet. Since XX/XX/year>, when my wallet was stolen at an event in XXXX, Ive been working tirelessly to resolve the resulting credit issues. Despite quickly canceling my cards and reporting the theft to the FTC ( Report XXXX : XXXX ), I later discovered multiple unauthorized hard inquiries on my credit report. and Ive reported these issues to TransUnion, XXXX, but they are not doing anything meaningful to help. Despite explaining the situation and providing evidence, I feel like Im being ignored. The inquiries, which were clearly fraudulent, remain on my report, and its affecting my peace of mind and financial standing.This has been incredibly frustrating and disheartening. The credit bureaus seem indifferent to the stress this has caused, and Im not getting any closer to a resolution. Im pleading for your help to ensure these inquiries are removed.

I truly appreciate your time and understanding.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/year> I made a large, lump sum payment to MOHELA to pay off a student loan. 

The amount I paid was {$10000.00}. That amount was removed from my bank account on XX/XX/year> and sent to MOHELA. 

My bank, XXXX, confirmed that this amount was sent to the company and they provided me with a proof of transaction form. 

I called MOHELA on XX/XX/year> and they told me that they did not see my payment and they had no explanation as to what happened to my money. They told me to upload proof that the money was removed from my bank account. They provided no timeframe as to when this would be resolved. 

Meanwhile, the loan that I paid off entirely a month ago is still present on my account and accumulating interest. 

I uploaded the document that my bank provided to me -- proving that I paid the loan. I also uploaded MOHELA saying that I have made no recent payments and the loan that I paid off still showing on their website and accruing interest ( even though this loan was paid off 30 days ago ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: AL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One charged off my account, but I did not receive a 1099-C form for the canceled debt, which the IRS requires them to issue when they forgive a debt of {$600.00} or more. As of the date of this letter, I have not received the necessary documentation to report this debt cancellation on my tax return. Despite my attempts to resolve the issue directly with Capital One, they have failed to issue the 1099-C form or provide any explanation for their non-compliance.

As a result, I am concerned about the potential tax implications, as this debt cancellation may be considered taxable income. I believe that Capital One 's failure to issue the required tax documentation has caused me unnecessary confusion and potential financial harm. Additionally, I am concerned that they may have violated consumer protection laws by failing to adhere to IRS reporting requirements, especially if they have reported this debt as a charge-off on my credit report without issuing the appropriate documentation.

It has come to my attention that this alleged debt, which has been discharged, is being treated as a Negative Item on my consumer report, which had an impact on my life and my family 's. I would like to clarify that Canceled Debt is prohibited from being reported on consumer credit reports. This inclusion of canceled debt should be considered as taxable income on my tax return. However, I never received this document even though it was charged off as of 2023.

This may inadvertently create tax complications, as you were required to send the 1099 c document prior to year end XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On Thursday, XX/XX/XXXX, I made an online payment for {$9000.00} for the outstanding balance for my Bank of America Mastercard. I did not receive an email confirmation for the pending {$9000.00} payment. I kept checking the app to see if my payment posted which I saw nothing. Thinking that the payment did not go through, I submitted the {$9000.00} payment again on Friday, XX/XX/XXXX because the app still reflected the {$9000.00} balance. Then on Saturday, XX/XX/XXXX, the app reflected the {$9000.00} payment plus the duplicate payment resulting in a {$9000.00} credit. I contacted Bank of America and they said they would start the process to research the duplicate payment for {$9000.00} but it can take up to TWO cycles ( approx 60 days! ). This is unacceptable for them to know this is an accidental duplicate payment, and to hold {$9000.00} up to 60 days. It would equate to a free loan not to mention I will bounce my mortgage, Other credit cards, XXXX XXXX and XXXX, immediately send me an email when I have scheduled a payment, in addition, the app instantly reflects the pending payment and will not let me prepay an amount beyond the balance unless there are posted charges in that amount. The practices of the Bank of America Mastercard are not consumer friendly. I want my {$9000.00} duplicate payment refunded immediately to my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Guild Holdings Company
State: FL

Complaint narrative:
I was prequalified for a conventional loan through a Guild Mortgage representative based in XXXX, Florida. I closed on the mortgage loan with Guild for a condominium located in XXXX, Florida. The closing took place in XXXX. The mortgage loan amount was approximately {$140000.00}. I provided all requested proof of insurance prior to closing, including Master HOA policy with Walls Out Wind mitigation coverage as well as my homeowners policy. Per my insurance provider and per the mortgage representative my coverage was sufficient. There were no red flags raised prior to, during, or immediately following closing on the mortgage loan. It was funded and I moved into the property. I have been making payments accordingly. Suddenly I saw a balance due in the escrow account. I pay taxes and insurance directly to avoid having an escrow account. I learned that Guild Mortgage force-placed an insurance policy, now 6 months after closing. They now claim that my homeowners needs to include wind mitigation and hurricane coverage, because the Master HOA policy is a walls-out type policy. This additional cost of nearly {$800.00} per year is not only a financial burden, it is a misrepresentation of the loan terms and requirements that were presented to me at closing. Guild requested evidence of insurance and accepted all policies provided at closing. I believe they are now trying to strong-arm me into providing more coverage than is customary for condominiums in XXXX Florida. Per email response today from the Guild representative who qualified me and processed my loan : This is just so odd that weve never had this come up before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance XXXX XX/XX/year> XXXX XXXX not Authorized Company told me to contact you guys after rerouting me 4 times.

Im to purchase a home soon and this, along with other inquires are negatively impacting my credit XXXX XXXX XXXX XXXX XX/XX/year> Hard Inquiry Incorrect Information This company did not input the co-signers information in the initial hard inquiry, told me not to worry about it. Upon getting the report back, they noticed that it was only for 1 person. They then ran the credit two more times without advising that there would be 2 more inquiries, I was under the impression that it would only be one.

Im looking to remove these two immediate along with the second auto loan inquiry below. 

XXXX XXXX XXXX XX/XX/year> Duplicate Hard Inquiry This was the second inquiry made instantaneously on the following day. 
Looking to remove immediately. 

XXXX XXXX XXXX XXXXXX/XX/year> Glitch in system This inquiry was made accidentally upon reviewing the terms and conditions of the Already Approved Credit card. The approval was initially for XXXX XXXX XXXX but when I was reviewing the terms, the page auto loaded and was now in the XXXX XXXX XXXX section, which got finalized and I didnt never got to authorize anything. 
Looking to remove this as well immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I filed a dispute on XX/XX/year> for an XXXX transaction for non receipt of services. After XXXX business days I did not receive provisional credit yet was quoted Reg E. I contacted them now 3 separate times after the 10 business day period including just now. They are in violation of Reg E. Additionally when Ive been told theyll send me follow up info on my claim and credit, Ive yet to receive it. Each rep tells me something different. The last rep stated no request for info was entered whereas the 2 prior said they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: AL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-12-19 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: AL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX is reporting a collection whit capital one i am not liable for this account i did a dispute and ask them for verify and send me proof that this account belongs to me because i never have a capital one credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Multiple applications for credit cards, lines of credit, auto loans etc. I have been trying get my credit back XXXX where it was and have not applied to any credit service in YEARS

Company response to consumer: Closed with explanation