vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: LA

Complaint narrative:
Equifax is reporting a fraudulent account on my credit report! I've sent in all the supporting documents and this account was removed but Equifax has re-reported it. I've reached. Out to the creditor that is reporting it, and they only have my SSN number matching No other info matches. This is a 100 % fraud account that needs to be blocked ASAP. I will once more reach out to XXXX  XXXX XXXX  to try to resolve this matter. I ask that EQUIFAX look at the info. that ive sent in showing this account is fraud. 

MY CORRECT ADDRESS IS XXXXXXXX XXXX XXXXXXXX XXXX XXXX LA XXXX WHICH IS SHOWN ON MY ID IN THE ATTACHED DOCUMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NC

Complaint narrative:
I was approved for a loan by Sallie Mae on XX/XX/XXXX, the same day my mother, who reluctantly agreed to co-sign, passed away. This approval came shortly after enrollment in the XXXX XXXX XXXX XXXX XXXX XXXX which promised employment opportunities through partnerships with various companiesa key factor in our decision to secure the loan. 

Upon starting the program in XXXX, it became evident that the promised job placement assistance was overstated. Instead of facilitating employment through partnerships, the program shifted focus to enhancing resumes for XXXX XXXX XXXX XXXX This approach proved ineffective, particularly for those with limited job experience, leading to significant attrition among my peers. Despite these challenges, and the personal hardship of my father 's subsequent death from XXXX XXXX, I excelled academically within the program. However, the skills that most contributed to my success were self-taught, rather than a result of the curriculum, which was plagued by disorganization and technical issues. 

My attempts to discuss repayment or dispute the loan with Sallie Mae on XX/XX/2024, were redirected back to the school, with only a temporary payment pause offered as a solution. Given the circumstancesmisrepresentation of the program 's benefits, the devastating impact of my parents ' deaths, and the financial burden of a loan predicated on these factorsI seek to dispute the loan. My aim is not to evade financial responsibility but to rectify a commitment made under false pretenses and during a period of vulnerability. 

I request a thorough review of my case, hoping for a resolution that acknowledges the disparity between the program 's promises and its delivery. Ideally, this would involve loan forgiveness or significant modification, allowing me to pursue more reliable educational opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: PREFERRED CREDIT INC
State: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report. The credit report showed unfair credits acts by companies. Will you please provide me with proof of you being able to display my private transaction history on my credit report. Privacy Act Of 1974 it is illegal to report transition history on your credit report because it is making it very difficult for me to acquire credit. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I want to be compensated for the violations {$1000.00} per violation and Pain And Suffering, Humiliation. 

I've listed the companies name Thanking you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report. The credit report showed unfair credits acts by companies. Will you please provide me with proof of you being able to display my private transaction history on my credit report. Privacy Act Of 1974 it is illegal to report transition history on your credit report because it is making it very difficult for me to acquire credit. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I want to be compensated for the violations {$1000.00} per violation and Pain And Suffering, Humiliation. 

I've listed the companies name Thanking you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute an error on my EQUIFAX credit report. After reviewing the report, I have noticed that my name is spelled incorrectly for the entire report. The correct spelling of my name is XXXX XXXX, but it appears on the report as [ XXXX XXXX ]. 
Details of the error : - Incorrect Name : [ XXXX XXXX ] on the entire report - Correct Name : [ XXXX XXXX ] I believe this error may be violating the Fair Credit Reporting Act ( FCRA ), Section 611, which requires consumer reporting agencies to ensure the accuracy of the information reported and to investigate disputed items. This discrepancy could adversely impact my creditworthiness and financial standing. 
I request that you promptly investigate this matter in accordance with the FCRA and correct the spelling of my name on my credit report. 
I also request that you provide me with a written confirmation of the correction made to my credit report once the investigation is complete, as required by law. 
Please treat this matter with urgency, as the accuracy of my credit report is crucial to my financial well-being. 
Thank you for your prompt attention to this matter. I look forward to the resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I called this company XX/XX/24 and I have disputed this information many times. The account is XX/XX/XXXX. That they refuse to remove. The account is old past 7 years. The dates and amt this company is reporting are all false and inaccurate. How can something still report as open when its been over 7 years. As the law states I have the right to have any inaccurate information disputed and deleted if any information reporting is incorrect. Please remove this account according to the law its been over 7 years. XX/XX/XXXX has also had many law suits filed against them for fraudulent activity.

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 2024-01-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: CA

Complaint narrative:
XX/XX/XXXX Submitted application for XXXX  payment plan on Mohela website. Mohela cancelled application because they needed supporting documentation which was not asked for during application process online. 

XX/XX/XXXX submitted supporting documentation. XXXX was put into administrative XXXX  while application pending XX/XX/XXXX administrative XXXX  expires and XXXX  application not approved XX/XX/XXXX After XXXX XXXX  on the phone being disconnected multiple times, customer service said that XXXX application was approved in the system in XX/XX/XXXX but not entered into my account. Representative said they are expediting rush to enter in my account. 

XX/XX/XXXX is my payment due date. If it is not resolved by then and adjusted to the new plan, my payments will not count towards XXXX XXXX XXXX XXXX. If they put me on another forbearance to figure it out again, it will also not count for XXXX XXXX during that XXXX  because it would be called a processing XXXX  which is not the same as an administrative XXXX. I have XXXX XXXX  left until loans are forgiven. 

I should not be penalized and not granted credit towards forgiveness when I did everything correctly and Mohela is making mistakes on their end. This should not take over XXXX XXXX to complete. 

My previous loan servicer made changes in less than 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a gift Visa debit card from US Bank National Association, it directs you to XXXX for account information then once you login, it tells you to call XXXX ( also on the back of card ) to choose a pin. However the phone number always immediately disconnects the call, resulting ultimately in not being able to use the {$50.00} at all. 

I am unable to ever connect/ get through to that phone number even after trying multiple times, different days. It instantly just hangs up on you. 

Is this a scam?

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX SSN : XXXX Date of Birth : XXXX XXXX XXXX TO : Experian : Account Name : XXXX XXXX XXXX Acct Number # XXXX The law said it is illegal to report transaction history. 
Per 15 U.S. Code 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Update report to paid on time or paid as agree. 
XXXX XXXX XXXX did not give me the opportunity to opt out or reporting transaction and experiences to my consumer report. 
I sent a dispute letter for inaccurately reporting and asked Experian to conduct a reinvestigation Experian failed to fix or modify, they merely parroted information from the furnisher. I sent Experian a letter for the method of verification on how they verified this information they did not do that either. 
I have attached Driver License and Utilities as proof of identifying information.

Best Regard

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank has started charging me a service fee if I don't have enough money in the account, which is unethical and unacceptalbe. They've also started charging me overdraft fees if I overdraw my account, even though they are not supposed to if I put money back into the account on the same day on which it's overdrawn. You can get them to refund the service fee, but you have to call them and it takes forever and they're really horrible about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Deutsche Bank
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XXXX XXXX has no access to XXXX account because of their IT issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Equifax due to its failure to address inaccuracies on my credit report despite my efforts to dispute them. On XXXX XXXX XXXX I sent a dispute letter to Equifax, requesting an investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, I did not receive a response from Equifax with investigation results. The Fair Credit Reporting Act ( FCRA ) stipulates that if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is apparent that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act. Enclosed, please find a copy of my dispute letter sent to Equifax as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My debit card information was hacked some time last year, and the scammers made repeated online purchases over multiple months, all while my husband and I were suffering with multiple health ailments that rendered us both physically and mentally XXXX 

I discovered this bank fraud when I attempted to withdraw money from an ATM to purchase my medication, only to find my balance was significantly lower than Id seen previously. My husband and I immediately went to the banks manager to report the fraud. We were assigned multiple case claim numbers, and one of them was XXXX. 

Unfortunately, less than a week after we reported this, my husband 's XXXX XXXX XXXX worsened significantly, and my health continued to decline. 

Due to our ongoing health issues, I was unable to check my mail in a timely manner over the last 6 months, as I was in and out of the XXXX XXXX  and physically out of state for a substantial amount of time. 

My husband just passed away this week, and it was only yesterday while my daughter was in town, helping me sort through mail after the funeral, that I found that Bank of America did not find error with {$2900.00} worth of purchases citing that these transactions were reported outside of the timeframe regarding claim XXXX. I was told to contact the merchants directly, but how do I contact vendors/merchants I never made purchases from? I am not sure if any other letters like this exist, or what other fraud purchases were not refunded. 

As I perused more mail, and tracked down the statements with these fraudulent transactions, I am dismayed that company wide advertised fraud protections were not employed in my case. Had any fraud protection methods been used, we would not see XXXX online charges per statement to the same companies XXXX XXXX XXXX XXXX XXXX loans, and online vendors ). Why did Bank of America allow these to occur each month without freezing my account, especially given that I have NEVER made these types of purchases before, and NEVER used my card online, for fear of this very thing? 
How is it possible to have 6 cell phone payments on one statement? Or 8 gym memberships? Or XXXX  loans paid off in someone elses name, that I have never even heard of before? I feel victimized due to my age, health, and XXXX, and further more, unprotected as a loyal bank of america consumer. 

I could really use your help here as this has been deeply traumatizing and is only causing me more stress and grief, worsening my current state and expediting my demise. 

( written with the assistance of my oldest daughter )

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 2024-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
I got a call on XX/XX/XXXX stating that I owe a debt for the previous apartment I lived in. I paid a {$99.00} deposit to live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX also known as XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX. It looks like I received an email to an old email address, but I never got any calls, texts, or other forms of communication about this debt until I got a call from the collection agency that the Yards Apartments sent my debt to which is Fair Collections & Outsourcing , INC . They are attempting to say I owed {$410.00} in damages, and after my deposit, I owed {$310.00} that I need to pay to FCO. I asked for proof of these charges and they sent me images that do not justify the charges trying to be charged. For example, they mentioned I owe {$140.00} for carpet damage - pet sanitizing and deodorizing. I actually never owned a pet and I cleaned the carpet before moving out. They also said I owe {$150.00} for a screen door that was never broken and was in the same condition it was left to me. These charges are not fair and this company is trying to fraud me out of money. I was never offered a move-out inspection and I was also never communicated about these charges from the original debtor. This is unfair and is ruining my life and financial health. I need assistance with dealing with this issue and finding a resolution.

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 2024-01-29 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: TX

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 response to consumer: Closed with non-monetary relief