vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
MOHELA sent me a notification on XX/XX/XXXX that interest was resuming on my student loans on XX/XX/XXXX. This seems like an interest accrual grab by MOHELA for not warning me in advance of an important date. I could find no previous notification of this by MOHELA in my inbox.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is an collection account on my credit report that is being reported as negative, but I paid this collection agency in full. I have never open a account with them. They brought my debt from another company. I paid the collection the collection in full but it still reports as negative. This account has been inaccurate for almost 2 years now. There is now way to have a miss payment on an account that payments where never set up. This account shows paid in XXXX 2021 but yet charged off in 2021 how is this possible. I have attached the receipt of payment from XXXX2021 Account name : XXXX XXXX Account number : 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 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Navy Federal has restricted my account. I need my account to be unrestricted. there was no fraud on my account. I have never consented to Navy Federal reaching out on my behalf to recover funds from any individual or business from the opening of my account to the date of the restriction. Thank you please reverse whatever withdrawals were done to other people 's accounts and credited to mine I did not consent to any of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: MD

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. CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: CA

Complaint narrative:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX  XXXX XXXX  XXXX XXXX. Please remove this account 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 2023-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I opened an account with Affirm : XX/XX/2023 I made my payment for that month out of my checking account on line. Affirm refused to recognize my payment made and is trying too recharge me on XX/XX/2023 for the same payment by saying that I am late with my payment! I owe less than {$100.00} on this account and after I pay it off I want be doing any more business with Affirm because they have pulled this on me before! They financed a used XXXX laptop from XXXX and it hasnt worked since day one. Its a peace of junk!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XXXX XXXX I opened a XXXX  account which I used for my business and savings. 
And it was closed on XX/XX/2023. 
And then XXXX sent a check over on XX/XX/2023 and usbank cashed out the check on XXXX XXXX. 
I then opened an account with usbank after receiving the check on XX/XX/2023 I had to wait till XX/XX/2023 before the money was available and then when I tried to do a wire from my money usbank closed the account and promised to send me a cashier check after 15 days and then its been 35days and usbank have refused to give me my money or send me a check and they keep saying the check from XXXX was fake. 
I had to contact XXXX and they sent me an official letter and instructed me to ask usbank to contact them for confirmation which I told usbank but they refuse to contact XXXX and kept saying my check is fake and they have seized my {$58000.00} They sent XXXX XXXX  statement and it clearly showed that my money is in the account but they refuse me access to it so please help me I want my money or a cashier check Down there is the check slip from usbank

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 2023-09-03 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 's : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) has violated my rights. 

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 : States a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-09-03 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 's : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ) has violated my rights. 

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 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX : {$1500.00}.

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 explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
My Barclaycardus credit card ( XXXX XXXX ) informed me in XX/XX/XXXX that my minimum payment was {$29.00} on the XX/XX/XXXX statement. Because I was strapped for cash I ordered my bank to make monthly payments of {$29.00} to keep this credit card paid up until I could pay it off. 

Today I logged into my account to increase the payments to pay it off as I have the cash now. I see that each month they have added a {$40.00} late fee to my account even though I paid the minimum amount they informed me on my bill in XXXX by the due date each month since then. 

Today I called them and talked to manager XXXX. I asked for the {$40.00} late fees to be removed off my bills. She told me that the {$29.00} was not the correct minimum payment ( even though it appeared on my XXXX bill ) because it did not include additional fees. She also told me that the interest rate was 29 %. 

I want these fees refunded. I also question whether your agency is going its job to allow a 29 % interest rate on credit cards. 

Please respond to my complaint. 

Thanks, 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 2023-09-03 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 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: FL

Complaint narrative:
WRONGFUL ACCOUNT REPORT ON 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 2023-09-03 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: FL

Complaint narrative:
WRONGFUL ACCOUNT REPORT ON CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. 

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 has violated my rights. 

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 an 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 2023-09-03 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: MD

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. 

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 has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 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: Sensible Auto Lending, LLC
State: PA

Complaint narrative:
Sensible Auto Lending Accont had been sold. In which I didnt sign contract with new lender. 
XXXX XXXX XXXX took me to court in which I was awarded judgement. 

I sent court order to credit bureaus and requested deletion of account from reports. Instead my request was not honored and is going against consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Flagged my account as collections for the amount of XXXX This amount was charged off about 2-3 months prior to this showing up. For a 7 and a 1/2 year old debt with ( speedy cash ) This company is trying to collect on a charged off account! 

Speedy Cash is also responsible for Selling this account to them after the charge off date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a copy of my Equifax credit report and noticed that the information provided was inaccurate. Based on the FCRA all information that is reported needs to be correct and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
I financed Solar panels from XXXX owned by XXXX in which XXXX XXXX installed multiple panels on my roof. These solar panels financed through XXXX XXXX has a balance of over XXXX. 
I was promised {$1600.00} from sales reps to cover a years worth of electric bill from the utility company as solar panels doesn't give an immediate saving per sales rep. 
I was also told I should be receiving savings from solar panels once connected. Yes, totally confusing. 
Therefore, I started putting my thermostat on 70 instead of 78 because of possible savings. When I received my utility bill from electric company, my savings were XXXX the XXXX month and {$1.00}. 
I have been calling daily trying to reach owner, XXXX, but he will not take my calls. I have spoken with XXXX, the CFO of the company ; however, he stated he doesn't know anything about panels and stated the {$1600.00} will not be given to me since the sales rep made an error on the contract. So I reached out to the finance company and sales rep and inquired about the {$1600.00} promised amount and also possibly removing these panels. since there are no savings. The sales rep stated they no longer work for XXXX XXXX because they have proven not to be a good company to do business with. 
Please help me, I can not continue to deal with this stressful situation. Due diligence was not given to me. XXXX did not do as they said and the XXXX solar panels are not operable. I am requesting these solar panels be removed and the roof repaired if damaged upon removal. This is fraudulent.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Re : Cash App case number associated with this claim decision is XXXX. 


On XX/XX/2023 my cash app was had five unauthorized transactions listed at follows : XXXX. XXXX XXXX ( XXXX XX/XX/XXXX ) {$210.00} XXXX. Add Cash ( failed ) {$100.00} ( listing lightened the amount indicpuration did not go through ) XXXX. XXXX XXXX ( on XX/XX/XXXX ) {$200.00} XXXX. XXXX ( XXXX XXXX ) {$240.00} XXXX. Add Cash ( XXXX XXXX XXXX ) {$200.00}... 
I am not sure what account was debited for transaction 1.

No action was taken on transaction 2.

My checking account was debited for transactions 3, 4, and 5. The total lost from the checking account due to this fraudulent activity was {$650.00} I reported this to Cash App customer service representative XXXX XXXX on XX/XX/2023, at XXXX XXXX. He advised that transaction XXXX was charged to a debit card that had been added and removed from my account and did not go through. He also informed me that my checking account and debit card had been removed allegedly by the fraudster. 

Cash App responded by email on XX/XX/2023 : " We compared the transaction you brought to our attention with your account history. Based on the information you provided, our investigation led us to determine that this transaction ( XXXX ) was authorized by you or someone you authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I had a legal name change and removed my middle name XXXX XXXX. Experian, XXXX, XXXX are still reporting the old information

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 2023-09-03 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: NY

Complaint narrative:
I sent my letter over 30 days ago regarding things on my report that I disagree with. I never received a response from the credit reporting companies. Hopefully, this solves my problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 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:
I sent my letter over 30 days ago regarding things on my report that I disagree with. I never received a response from the credit reporting companies. Hopefully, this solves my problem

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