vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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: DE

Complaint narrative:
Recently i did an investigation on my credit report, which caused XXXX XXXX and found unverifiable, invalidated, inaccurate and questionable items that your agencies did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, everything has to be 100 % on my credit report and under 15U.S.Code 1681e ( b ) and 15U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: OH

Complaint narrative:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal law. 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

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 2024-01-06 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: MOHELA
State: IL

Complaint narrative:
Before XXXX  pause my payment was XXXX a month. No IDR 's were required during XXXX  pause. My first IDR is not required until XX/XX/XXXX. My payment should have been the same if not lower ( on the new save plan ) then it was before the XXXX  pause. First mohela said that somehow they got my new income and my payment went up to XXXX a month. Then I question how they got it and told them they legally can't ask the irs for my income. Then they lowered my payment for XXXX a month per my letter from them on XX/XX/XXXX. That seemed correct on the new save plan that they automatically put me on. Then in the middle of XXXX right before the forbearance was suppose to end again. They changed my payment again for XXXX a month and changed my due date from the XXXX of XXXX to XX/XX/XXXX. I called and they said they were still updating my account and it was be corrected and back at XXXX but it is not and now they have scheduled XXXX to come out of my bank account. No one will help me or let me speak to someone that can fix my account I just keep getting empty promises. On top of that my XXXX XXXX got his entire balance forgiven, he is not on Pslf and never paid a single payment his entire life. He was in collections and was never going to pay it back but me and the others that are trying to pay it back and getting XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I bought {$2900.00} of flooring from the XXXX XXXX on XX/XX/2022. I was encouraged by the salesperson to take the Home Depot credit card because my purchase was over {$2000.00} so I could get 24 months interest-free. I took the offer because of the 0 % interest. Otherwise, I would have paid out-of-pocket on the day. 
Once the first bill arrived, I divided the total amount by XXXX and set up XXXX equal auto-payments of {$130.00} so it would be paid off before any interest accrued. I didn't go back to look at the account or the agreement once it was up and running. 
So now that 12 months have gone by, I did log in just to see what the balance was, expecting to see about {$1500.00}. Well, no, in fact they started charging me interest in XXXX after only XXXX months, including deferred interest. 
I talked to a couple of XXXX call center people, including a XXXX. They were very nice, but they were reading off a script and would not deviate from the script. They were only authorized to adjust the interest from the most recent 60 days, and only if I paid the full balance immediately. 
So far, Ive been charged about {$700.00} in interest charges, which I would like to be removed from my account. I would be happy to pay off the entire balance immediately and close the account, but I dont want to pay the interest. 
I see on the CFPB website that dozens of other consumers have had the exact same experience. Can you help me resolve the issue, please?

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 monetary relief
Consumer complaint received 2024-01-06 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: MI

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 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 2024-01-06 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: DE

Complaint narrative:
Recently i did an investigation on my credit report, which caused XXXX XXXXXXXX and found unverifiable, invalidated, inaccurate and questionable items that your agencies did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, everything has to be 100 % on my credit report and under 15U.S.Code 1681e ( b ) and 15U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-01-06 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: CT

Complaint narrative:
I have notified XXXX, Transunion XXXX XXXX MULTIPLE times stating that this is NOT MY ACCOUNT and it still remains on my credit report. I have submitted a complaint to CFPB, FTC & my state attorney general. I have attached those complaints here. 

In addition, CFPB filed a lawsuit against XXXX proving their deceptive business practices. I have attached that lawsuit here. I too am a victim of these deceptive business practices and fraudulent accounts not being removed from my credit report. Please remove ASAP. 

Transunion and XXXX are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

XXXX has already removed this account from my report as they know it is not mine. Please remove ASAP.

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 2024-01-06 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: CT

Complaint narrative:
I have notified XXXX, XXXX XXXX Equifax MULTIPLE times stating that this is NOT MY ACCOUNT and it still remains on my credit report. I have submitted a complaint to CFPB, FTC & my state attorney general. I have attached those complaints here. 

In addition, CFPB filed a lawsuit against XXXX proving their deceptive business practices. I have attached that lawsuit here. I too am a victim of these deceptive business practices and fraudulent accounts not being removed from my credit report. Please remove ASAP. 

XXXX and Equifax are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

XXXX has already removed this account from my report as they know it is not mine. Please remove ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: IL

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. 


I told Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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.

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 2024-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied for a mortgage loan with Regions Mortgage in XX/XX/2021. I was approved for a mortgage loan and began looking for a home with my realtor XXXX XXXX XXXX. Once we were under contract for a home I was told we could close on my home before XXXX. That date was pushed back to XX/XX/XXXX. I explained that I needed to close before the XXXX so that I would not have to pay mortgage in XXXX. The closing got pushed back to XX/XX/XXXX due to error from my loan XXXX XXXX XXXX. The reasoning for pushing the closing back is in the email that is attached to this complaint. After talking to my realtor this is not the first time XXXX XXXX has done this. Now it seems like this is on purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX, there was an unauthorized inquiry on my credit report that I did not authorize. According to the Fair Credit Reporting Act, I would like to ask that this inquiry be investigated and removed immediately from my credit report. Please confirm in writing once this has been done. Thank you for taking the time to look into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I received a letter dated XX/XX/XXXX from a debt collector named Online Information Services about a debt due to XXXX XXXX for the amount of {$280.00}. I attempted to contact the debt collectors on XX/XX/XXXX and on XX/XX/XXXX - both times the automatic system only looped or sent to a voicemail. I contacted XXXX XXXX on XX/XX/XXXX to get information on the account. They advised my name was on it but the address on the account was a XXXX address and the email on file had the name of an individual I didn't know. They transferred me to another customer service department that filled out a report to create a case and investigate. They advised us to make a report with the Federal Trade Commission and local police department due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc.

Complaint narrative:
On XX/XX/XXXX, Mercury XXXX suddenly closed my account and I couldnt log in. 
On XX/XX/XXXX, Mercury XXXX  informed me that I violated the usage agreement and closed my account. 
On XX/XX/XXXX, I logged in to my account and it showed that my funds were sent in the form of a check. 
On XX/XX/XXXX, I sent an email requesting to change my address, but there was no reply. 
On XX/XX/XXXX, I sent an email to contact you, but there was no reply. 
XX/XX/XXXX, no news about the check Mercury XXXX closed my account without notifying me. The money in my account is currently being shown as sent by check, but it was sent to the wrong address. I have tried to contact them but have not received any response. I hope that Mercury XXXX can transfer my money to the specified ACH account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tesani Management Inc
State: MO

Complaint narrative:
This company has put inaccurate information on my credit file to receive money over I debt I have not even agreed or my arrangement with. I don't even know this company but on XX/XX/2024 I checked my credit report to see about my credit score and noticed this new Collection Agency has reported information on my credit file which is a violation of FCRA. I never received a written letter or anything from this company to feel like I owe them any thing or debt. I have proof to show how this inaccurate information is reporting on my credit file which is damaging my life. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, MO XXXX XX/XX/2024 XXXX XXXX XXXX Subject : Cease and Desist Letter Dispute of Collection Accounts on My Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute and request verification of the collection accounts that appear on my credit report, which are allegedly being pursued by XXXX XXXX XXXX. I have discovered these entries on my credit report, and I am deeply concerned about the negative impact they XXXX have on my creditworthiness. 

I dispute the validity of the aforementioned collection accounts for the following reasons : 1. Lack of Verification : I request that you provide detailed documentation validating the debt, including the original creditor 's name, the amount owed, and the dates of the alleged transactions. Failure to provide this information will result in my rejection of the validity of the debt. 

2. Verification Period : According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt within 30 days of receiving this letter. Please consider this letter as my formal request for validation.

3. Cease and Desist : I demand that all communication related to the collection of this debt cease immediately. This includes any phone calls, letters, or other forms of communication. Continuing to contact me in regards to this debt without providing proper validation will be a violation of the FDCPA.

4. Reporting to Credit Bureaus : I expect that you promptly update the credit reporting agencies to reflect that the debt is in dispute. Any failure to do so may result in legal action against your agency for inaccurate reporting.

Please be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am prepared to take legal action if necessary to protect my rights.

I expect your prompt attention to this matter and the provision of the requested documentation within the stipulated 30-day period. Failure to comply will leave me with no choice but to pursue legal remedies available to me. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: Incomm Holdings Inc.
State: UT

Complaint narrative:
I purchased a XXXX {$220.00} prepaid giftcard on XX/XX/2023 to use some cash online. As I got the card I checked and made sure that I would be able to spend it online and went to their website and verified it would be possible. I went to try and use the card on XXXX and it failed. I called and they said it wouldn't go through to XXXX ( not stated anywhere for anyone to see ). So I tried paying through paypal and it didn't work. I called back and they said it would go through on XXXX, but it would go through on XXXX. I gave it a night and decided to try XXXX as a completely separate merchant. It didn't go through so I called and I was told that the card was only able to be used in store. I got XXXX different answers from XXXX  different reps and they didn't offer XXXX  resoloution on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We have XXXX promotional purchases Bank of America XXXX XXXX. We transferred balances to those cards. We were told on XX/XX/XXXX that we should send in {$1600.00}. to pay off the monthly charges and the rest would pay off the promotional amount. Please know that we have used XXXX XXXX, XXXX XXXX, XXXX XXXX to pay promotional purchases. 

Our send account was larger and we had saved {$8000.00} to pay it off in XX/XX/XXXX. We called B of A a second time same day. Another representative told us an entirely different story that no matter how much we paid the promotional purchase would only receive the minimum due and the rest of the paymentwould pay off other purchases currently at a much higher interest rate. This contradiction produced a phone call to their manager who did not call us back.

This is to us a bait and switch. No other promotional purchase from any company or bank has ever applied money FIRST to the monthly balance due and SECOND to the promotional purchase. It is a clever but unfair. Similar to no surprise billing from hospitals which prevented this type of practices, the B of A policy covertly allows the bank to gain huge amounts of interest ( in our case {$4200.00} ) when the promotional purchase comes due and PREVENTS us from satisfying our original intent. It is deceptive and unfair.

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 monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - I began receiving requests for payment from Nelnet for a consolidated loan. The problem is I don't have a record that I signed a consolidation loan. Currently, I have not paid on the " loan '' and Nelnet has not attacked my personal credit negatively. The original promissory note states the loan created XX/XX/XXXX was between XXXXXXXX XXXX  XXXX TX  and XXXX XXXX XXXX XXXX XXXX. 

Nelnet indicates we have an agreement for me to pay a consolidation loan related to US Dept. Education. Nelnet has yet to provide the consolidation loan I authorized for repayment. Additionally, any federal student loans have been frozen by the federal government. 
The loan I originated qualified under federal definition for Income-Driven Repayment Loan Forgiveness. See below : XXXX. The original loan is XXXX years old. 
XXXX. The original loan was inappropriately upcharged by a 100+ % origination fee to the student loan need.

Company response to consumer: Closed with explanation