vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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

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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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 am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Mr. Cooper home loans reported to credit bureau that my mortgage was 30 days late in XX/XX/2023. My mortgage payment was 28 days late and should not have been reported. Attempted to file a dispute but was not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: CITIBANK, N.A.
State: NY

Complaint narrative:
A few months ago, I was trying to change travel plans with XXXX XXXX due to illness. I XXXX  for a customer service number for XXXX XXXX and called the number XXXX provided. 

The person I spoke to claimed to be a XXXX representative and charged me nearly {$700.00} for the option to cancel my flight and receive the remainder of the cost back. As this was way less than the total cost of the flight, I agreed, despite my misgivings. I immediately realized something didn't feel right, and asked them to cancel the transaction, but they refused. 

I later found a different number for XXXX on the official website, and found out that cancelations are free, and that I had been scammed. The representative worked for some kind of travel agency pretending to be XXXX ; I received absolutely nothing in exchange for my ~ {$700.00}. 

I immediately called Citi, my credit card company, to dispute the charge and let them know I had been defrauded. Weeks later I received a notification that they would not reimburse me for the fraudulent charge. I spoke to a Citi representative who understood the situation and told me she would take care of it and secure my reiumbursement. Again, several weeks later, I received a notification that they are still refusing to reiumburse what is quite clearly fraud. I challenged it yet again, provided proof that I had received nothing in exchange for the {$700.00}, no good or service, and was denied a third time despite the merchant not providing anything that refuted my claims. 

I have provided Citi detailed documentation of this fraud, including copies of an email the company sent me with a XXXX logo in their signature, as well as my immediate request to cancel the transaction. At this point, my only recourse is to continue submitting my claim through the same process that has now denied me three times. 

Furthermore, I am not the only one who has suffered this exact scam there are news articles ( which I also provided to Citi ) about this exact phenomenon.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a dispute regarding incorrect personal information on XXXX2024. After 31 days I checked my credit report, and nothing had been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: TX

Complaint narrative:
AFTER REQUESTING DOCUMENTS TO SHOW PROOF THESE ACCOUNTS BELONG TO ME. THE COMPANIES DID NOT SHOW SUCH PROOF. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG 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 explanation
Consumer complaint received 2024-03-12 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: LoanCare, LLC
State: CO

Complaint narrative:
In the fall of 2023 we asked the mortgage company to modify our loan after COVID forbearance. We had a very hard time getting consistent and accurate information regarding the process. Some people would tell us we were taking correct steps. Then we learned that the information was incorrect and we were at at risk of foreclosure. 

We had multiple agents give completely contradicting information that endangered our home and financial future. When we reported these issues we were told " sorry, nothing we can do. '' We were placed on a mortgage modification trial repayment plan. We made two on time payments no issue. 

XXXX XX/XX/XXXX we attempted to make a payment. I did not have the full checking account number and needed to call back when I had the check in front of me. 

I started to call the company two hours before their phone payment service closed. Every time I called I received a message that said " We are sorry if you received this during normal business hours. Please try again. '' I called nonstop, emailed every email address to communicate, and frantically begged for help. I called the next day to make payments. I called the following business day with a HUD housing counselor to try and address the issue. The company was unhelpful and shared contradicting information. 

These payments can not be made online. 

I did not miss a payment for any other reason than the issue with the phone line. From there I have had complete non-cooperation with the company. They will not return calls, will not give me a single point of contact, and will not provide consistent information. 

The mortgage company is now attempting to proceed with foreclosure even though we did everything we could to make that payment.

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 2024-03-12 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: EdFinancial Services
State: OH

Complaint narrative:
Submitted a student loan payment of {$540.00} on XX/XX/29 and within the same day Ed Financial reversed the payment and only kept {$140.00}. Making me accrue interest. Upon trying to speak with them you cant get to customer service ever, and if you look up this issue you will see Ed Financial often does this to individuals in a shady business practice kind of way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
A tender of payment has been mailed to via Registered Mail to XXXX XXXX for proper account offset which was received XX/XX/year>. Instructions on the tender of payment stated pay to the order of Navy Federal to be credited within 5 business days and if this responsibility could not be performed to write to me within 5 business days as to the reasons why. Notice it is a fact as per UNIFORM COMMERCIAL CODE 3-603 this tender of payment was ACCEPTED via the POSTAL RULE ( # RF XXXX XXXX XXXX XXXX ) and WAS NOT RETURNED but yet not performed on. This forfeits a complete discharge of the amount of the tender presented. Navy Federal has alos receieved a copy B form of a 1099A ACCEPTED form and continues to collect money on the account. Navy Federal continues to double dip and continues to demand receivables ( fed notes ) on an account that was performed on and tendered and has even threatened to close my credit account that arose out of a Finance charge. This in fact will be unlawful for if Navy Federal does in fact close my account for alleging it has taken a loss in its books in giving me credits from itself I will then demand evidence under GAAP which Is owed to me per UCC 9.

I will now be forced to file a IRS Form 3949a against Navy Federal and a IRS Form 13909 if this matter isn't resolved swiftly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon conducting a thorough investigation of my credit report, I uncovered a distressing array of issues that have severely impacted my emotional well-being. The discovery of unverifiable, invalidated, inaccurate, and questionable items has led to significant distress and even XXXX. It is clear that your agency has failed to ensure that my credit report is accurately represented. 

Under the Fair Credit Reporting Act, it is mandated that all information contained within my credit report be reported with absolute precision. However, it is evident that certain accounts have flagrantly disregarded this requirement. Sections 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) clearly outline the necessity for 100 % accuracy in reporting, a standard which your agency has failed to uphold. 

Attached herewith are copies of all correspondence previously sent to your agency regarding these discrepancies. I demand immediate action to rectify these inaccuracies and bring my credit report into compliance with legal standards. 

Failure to address these issues promptly and effectively will result in further legal action, as I am prepared to defend my rights under the Fair Credit Reporting Act at all costs. 

This matter requires your utmost attention and urgency.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon conducting a thorough investigation of my credit report, I uncovered a distressing array of issues that have severely impacted my emotional well-being. The discovery of unverifiable, invalidated, inaccurate, and questionable items has led to significant distress and even XXXX. It is clear that your agency has failed to ensure that my credit report is accurately represented. 

Under the Fair Credit Reporting Act, it is mandated that all information contained within my credit report be reported with absolute precision. However, it is evident that certain accounts have flagrantly disregarded this requirement. Sections 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) clearly outline the necessity for 100 % accuracy in reporting, a standard which your agency has failed to uphold. 

Attached herewith are copies of all correspondence previously sent to your agency regarding these discrepancies. I demand immediate action to rectify these inaccuracies and bring my credit report into compliance with legal standards. 

Failure to address these issues promptly and effectively will result in further legal action, as I am prepared to defend my rights under the Fair Credit Reporting Act at all costs. 

This matter requires your utmost attention and urgency.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed unauthorized credit inquiries on my 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 2024-03-12 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: NV

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: GA

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. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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