vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I used my credit card with a 0 % APR introductory offer for my purchases, which lasted for 15 months. However, I received no notification that the introductory period had ended, and suddenly, I was charged interest. I contacted Capital One to request the removal of the interest charge, but they refused. In response, I filed a complaint with the company and paid off the entire balance, except for the interest charge of approximately {$130.00}. Despite this, I received another interest charge this month, even though I had already cleared the balance on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-12-11 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: Self Financial Inc.
State: PA

Complaint narrative:
I am writing to formally address the ongoing inaccuracies reported by XXXX regarding my LEAD BANK account ( Account Number : XXXX ). Despite repeated attempts to resolve these discrepancies, XXXX has failed to properly conduct a thorough investigation, resulting in continued misrepresentation of my credit report. 

Issues with XXXX 's Investigation : Inaccurate Account Status : XXXX has reported the LEAD BANK account as " PAYS AS AGREED '' with a zero balance, yet it also includes a charge-off amount. This contradiction creates confusion regarding my obligations and misleads potential creditors. 

Discrepancies in Payment History : XXXX has failed to accurately reflect the accounts payment history. The history indicates delinquencies from XXXX and XXXX, which conflict with its current status as " PAYS AS AGREED '' and closed with a zero balance. This misrepresentation negatively impacts my credit score. 

Incorrect Date of Last Payment and Closed Date : XXXX has continued to report an inaccurate date of last payment ( XX/XX/XXXX ) and closed date, despite LEAD BANK confirming the account was paid in full and closed. These inaccuracies should have been corrected in the investigation process. 

Lack of Full Investigation : Despite submitting detailed documentation and multiple attempts to dispute these inaccuracies, XXXX has not provided a complete resolution or thoroughly researched the discrepancies as required by law. 

Ongoing Delinquency Reporting : XXXX has not adequately addressed the inaccurate delinquency reporting, despite being informed that the account is paid and closed. These delinquencies should be removed as they no longer reflect the current status. 

Request for Immediate Action : Given the above, I request that XXXX conduct a proper investigation and correct the inaccuracies on my credit report. Specifically, I ask for the removal of late payments Additionally, I seek an explanation of how XXXX plans to prevent such errors in the future. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Hello, My student loan information with my servicer AidVantage is incorrect. The dates don't reflect the proper dates of when I fiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. For some reason, they are showing my loans as beginning in XXXX when I bXXXX XXXX XXXX XXXX XXXX XXXX  Though the bulk of my loans are from XXXX, which, as I stated above, I began XXXX  in XXXX. 

Also, I don't think any of the payments that I've made under XXXX XXXX have been credited towards my loan amount. AidVantage mentioned that my XXXX XXXXXXXX XXXX XXXXXXXX loans were forgiven and said they would assist me with getting to the bottom of the incorrect loan dates after my XXXX XXXX XXXXXXXX forgiveness went through. I've called several times and haven't been able to get assistance with this. Either the rep eventually puts me on hold, isn't helpful, or I've even had reps hang up on me. 

I'm beyond frustrated at this point and would like assistance with getting this corrected asap. 

Many thanks for any guidance or assistance you can provide. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NM

Complaint narrative:
My loan is currently under administrative forbearance because of the SAVE court challenge. During this time the loans are not supposed to accrue interest, but interest is still accruing and MOHELA recently sent out a notification that interest will continue to accrue instead of being cancelled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
In accordance with THE Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681section 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.

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 2024-12-11 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them

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 2024-12-11 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: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were fraudulently added to my credit file without my authorization. Under my rights provided by 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be removed promptly. 
XXXX Accounts : XXXX XXXX XXXX XXXX XXXXXX/XX/2021 - {$00.00} XXXX - XXXX - XX/XX/2021 - {$8000.00}

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 2024-12-11 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-12-11 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-12-11 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Re : Feedback on Equifaxs Response to Complaint Complaint ID : XXXX Dear CFPB, I am writing to provide feedback regarding Equifaxs recent response to my complaint submitted through the CFPB portal ( Complaint ID : XXXX ). While I appreciate the attention given to my concerns, I remain dissatisfied with the resolution and accuracy of the information provided. 

Key Issues with Equifaxs Investigation : Inaccurate Charge-Off History : XXXX has updated some fields, but the charge-off date inconsistency persists. My credit report shows charge-offs from XX/XX/XXXX through every month in XXXX and XXXX, while the creditors response states that the account was charged off in XX/XX/XXXX. This discrepancy remains unresolved. 

Incorrect First Delinquency Date : XXXX reported that delinquency began in XX/XX/XXXX, yet my payment history reflects charge-offs starting in XX/XX/XXXX, causing confusion and inconsistency. 

Negative Available Credit : The balance and available credit reported are still incorrect. My credit limit was {$200.00}, but the negative available credit of - {$230.00} is a miscalculation that affects my credit report negatively. 

Incomplete Payment History : XXXX updated some payment fields, but there are still discrepancies with actual and scheduled payments. Specifically, scheduled and actual payment amounts remain incomplete for the reported months. 

Lack of Thorough Investigation : Despite providing detailed documentation and supporting evidence, XXXX investigation did not result in a resolution that reflects the correct history and status of the account. 

Requested Action : I respectfully request that XXXX further investigate and correct all inaccuracies reported on my credit report. Additionally, I urge the CFPB to ensure that XXXX complies fully with the Fair Credit Reporting Act ( FCRA ) in providing accurate and verified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LAND HOME FINANCIAL SERVICES
State: OR

Complaint narrative:
My mortgage is under the name XXXX XXXX. My house sold XXXX XXXX XXXX  Since before the house sold, my escrow company has been attempting to get a payoff amount from the mortgage company without success as they are met with one excuse after another. I have requested the mortgage payoff from my mortgage company, XXXX XXXX XXXX, XXXX times by email per their instructions. XX/XX/XXXX and XXXX XXXX XXXX  Have not received. Escrow company has requested pay off amounts. Have not received. Escrow company, XXXX XXXX XXXX XXXX XXXX, spoke with a supervisor at the mortgage company who gave the email address to send the requested information to, XXXX, supervisors name at mortgage company is XXXX. Escrow company even had her spell her name. She made notes on the account and said that they would be recorded with her initials BCS. She did confirm that the request that was faxed on XXXX, copy attached, was received in their system and that it is pending. Escrow company has not received pay off amount. I spoke to XXXX XXXX XXXX XXXX and the representative stated that the paper that the XXXX XXXX had verified was accurate and correct and valid was not valid. Attempted to speak to a supervisor, notified there were none available.

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 2024-12-11 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach, and these inquiries are unauthorized. 
The following inquiries must be removed immediately 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach, and these inquiries are unauthorized. 
The following inquiries must be removed immediately : XXXXXXXX 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

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This account shows it is charged off and I did not receive a XXXX for the period of time to show additional income. A request a correct copy of the XXXX. The accuracy is incorrect and should be either deleted from credit reporting or accurate to show the status is paid

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 2024-12-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I strongly dispute the validity of this account reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information as from my credit report to reflect the true status of the 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