vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to follow up on my complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Can you update my address and name on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC
State: MD

Complaint narrative:
On there webpage and app I'm unable to make payments. For about two months all they say is that they are upgrading the website. I requested address to mail in check and they tell me it will take too long. 

My only option to make payment is to call there customer support line. Should be other options to make payment. Sometimes it is a long process to get a hold of customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
XX/XX/2023, is the date I put {$50.00} on an AMEX prepaid card. I attempted to use this card on a number of online businesses that I was advised to utilize by the internet and customer support. I am verydisappointed with the information I received because I was unable to use it for anything. I've tried a lot of websites, including XXXX XXXX and XXXX, but all I get is " cardinvalid. '' WhenI called assistance a second time, I was informed that, contrary to what was stated in the fine print, I was not allowed to use the card for online purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TN

Complaint narrative:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: Ocwen Financial Corporation
State: PA

Complaint narrative:
On XX/XX/ Ocwen Loan Servicing added {$12000.00} as a deferred principal from a Loan Modification. They were sued in Class Action Law Suit for taking advantage of consumers like myself. Is there anything you can do to help me in this situtation? Any assistance in this matter will be greatly appreciated. Thank You in Advance. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to follow up on the complaint I filed regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify or delete accounts that aren't reporting correctly. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I would like to file a complain against my bank, XXXX. 

On XXXX i contacted the bank and explained that an online travel agency with whom Ive made a reservation was trying to scam me. I reached out to them via phone as well as XXXX also emailed the hotel twice. Neither company could confirm my reservation. As this was my vacation, I did not want to take a chance and be told when I arrived in XXXX that they didnt have a reservation. 

I reached out to both the travel agency XXXX and they denied me my money. I reached out to XXXX and got the same response. I then reached out to the bank who never reached out to me. I followed up and spoke with a supervisor on XX/XX/25 and provided detailed information. And also emailed copies of my screenshots. I was then given a provisional refund which in the letter stated I could spend. A few weeks later I received a letter informing me they were denying my claim and would be taking the money out of my account. I contacted the bank just to be told their findings were permanent and I could not file an appeal. If banks are supposed to protect your assets up to $ XXXX and I provided them proof of whatd transpired, I feel the bank is being unfair. 

Sincerely, 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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX applied for a loan for XXXX for the purchase of a car he was issued the loan via check from Navy Federal XXXX XXXX and XXXX XXXX was on the loan they went to Navy Federal XXXX XXXX XXXX  and deposited the check from Navy Federal the check clear and the money was available for XXXX to take the money out XXXX went to the bank and asked if he could withdraw XXXX out they said no we don't have it but they said we can issue you a cashier check for the amount so XXXX said ok issue me a cashiers check for XXXX XXXX because he has a car I want to buy Navy federal in XXXX XXXX  issued the cashiers check to XXXX XXXX. XXXX XXXX deposited the check in our account we were able to use the money then on XX/XX/XXXX at XXXX am we called the bank and asked if we could withdraw XXXX out of the bank because we were told to call ahead of time for money like that so then the security department gets on the phone talking about we shutting your account down for fraudulent activity and wouldn't explain what they thought the fraud was please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
An applicable financial entity has XXXX ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. 


Per IRS Publication XXXX : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and XXXX have to pay tax on this income. 

If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: UT

Complaint narrative:
My Neltnet student loan payments keep changing without any explanation. On XX/XX/XXXX, I received an email statement that my payment due XX/XX/XXXX would be {$670.00}. This is a huge increase from my prior months payments of {$50.00}. I used the online form to reach Nelnet on XX/XX/XXXX and XX/XX/XXXX and havent received any contact from them. I attempted to call them on XX/XX/XXXX but after being on hold almost an hour, the call was dropped. On XX/XX/XXXX, I received an email statement that a payment of {$29.00} was due XX/XX/XXXX. When I logged into my Nelnet account to confirm this, it now says my total due is {$700.00}, due XX/XX/XXXX. Again, no notices or statements to explain the extreme changes in payment asking and due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: AZ

Complaint narrative:
Please read attached letter and evidence to support my claim that Capital One severely overcharged interest on Capital One 's Identity theft ( XXXX ) and Capital One 's fraudulent credit card take over on both # XXXX & # XXXX Capital One credit cards this 2023 year. Capital One charged interest on fake false billing line entries, increased limit to 30 % illegal and predatory. Capital One moved payments back and forth between cards fraudulently, place fake payments back and forth between XXXX cards and charged huge amounts of fake interest and late fees all this 2023 year. I won disputes and promised interest credit and got XXXX by Capital One. 
I want a BLOCK AND DELETE for # XXXX & # XXXX credit cards OFF ALL CREDIT BUREAUS FOR THIS SCAM from Capital One. ( Predatory lender )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 2288984 Ontario Inc.
State: MO

Complaint narrative:
Discovery of the Issue : On XX/XX/2023, I was alarmed to discover an unexpected derogatory mark on my credit report, reported by XXXX and XXXX XXXX. The report showed an open balance of {$2300.00}, with XXXX XXXXXXXX listed as the original creditor. 

Nature of the Disputed Debt : This debt is entirely unfamiliar to me. I have no knowledge or records of any transactions or agreements with MoneyKey XXXX or XXXX and XXXX XXXX. I am confident this debt does not belong to me.

Immediate Impact on Credit Score : The appearance of this erroneous debt has significantly damaged my XXXX XXXX. This has been a source of considerable distress, as I have always been meticulous about maintaining good credit. 

Actions Taken by Me : After noticing this error, I immediately reviewed all my financial records and found no evidence supporting this claim. As of now, I have not contacted XXXX and XXXX XXXX, as I did not want to acknowledge a debt that is not mine, but plan to do so to seek clarification and resolution. 

Lack of Communication from the Collection Agency : To date, I have not received any communication from XXXX and XXXX XXXX regarding this debt. The lack of outreach from their end has left me without a clear path to dispute or understand this charge. 

Current Status : The derogatory mark remains on my credit report as of the last check on XX/XX/2023. This has caused undue hardship as it affects my creditworthiness and financial stability. 

I urgently request assistance in resolving this matter. The inaccurate reporting of this debt has unjustly harmed my credit score and financial reputation. I seek help in having this mark removed from my credit report and ensuring that such errors are not repeated in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. XXXX XXXX Code XXXX - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I have had my home for 15 years and have never been late on a payment. I typically overpay on my payment each month. I did not receive an escrow analysis that they said they mailed me on XXXX notifying me that on XXXX my monthly payment would be increasing from $ XXXX to $ XXXX. This never came to me in the mail, and I've never had issues in all the years past receiving it. I understand this might have been an issue with the post office, but nevertheless, I had no idea my payment had changed. I made my payment for XXXX in the amount of {$1400.00}. It was only to my knowledge {$1200.00} that was due, but I typically overpay to try to pay the loan off quicker. I was not aware that this payment was now short {$96.00}, because I wasn't aware the payment had been increased to {$1400.00}. Had I known, I would immediately have paid the difference. They did not return the {$1400.00} payment I made. Instead they just held it as unapplied, and when I sent my XXXX payment in for another {$1400.00}, they took the {$96.00} out of that and held the rest unapplied. Had I not had a credit monitoring service notify me of a 30 day late on my mortgage, I would have had no idea this was happening. I immediately contacted them when I was notified of the late on my credit report ( not by XXXX ), found out the issue and submitted the short amount to correct the situation. I asked them to please remove the 30 day late payment, as I had made my payment and did not realize the amount had changed ( again this has never happened before ). I submitted a dispute with them, but they stated that they called and left me a message on XXXX. When I told them I never received a message and asked what number was called, they gave me a phone number I didn't recognize and have never used. I pointed out to them that it was not my phone number ( I have had the same phone number since the loan was originated, and it even shows when I log on to my account ). They acknowledge that they did not call this number, but they refuse to remove the late payment from my credit or advise why they called this other number. It seems so obvious this is a mistake on there end, but they will not acknowledge this or remove the late payment. They could have at least returned the payment to me, so I would have known there was an issue. I have never had a late payment on my mortgage, and I did submit my mortgage payment that month. I am just looking for some help to try to rectify this situation, as this is severely affecting my XXXX XXXX, as well as a co-signer that I have on the loan with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX  days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Venmo froze my account after I tried to link my bank account with XXXX  XXXX to withdrawl my funds. I continue to ask why its frozen and have submitted all requested documents to have it unfrozen and I get no answers as my money sits in Venmo unable to be spent or transferred. Each time I ask they said theyre escalating to a special team and I never hear anything back. They are holding my own funds from me.

Company response to consumer: Closed with monetary relief