vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX account ending in XXXX, which was charged off. 
XXXX. XXXX XXXX account ending in XXXX, which was also charged off. 
XXXX. Collection account from XXXX XXXX XXXX ending in XXXX. 
XXXX. Collection account from XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  ending in XXXX. 
XXXX. Collection account from XXXX XXXX  ending in XXXX. 
XXXX. Charge off account from XXXX XXXX XXXX XXXX. 
XXXX. Charge off account from XXXX ending in XXXX. 
XXXX. Inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 

I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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

Complaint narrative:
On my credit re port I have balance of over {$6000.00}, that I owe to credit cards. It's incorrect. The only balance I have it's on my XXXX XXXX card and it's over {$800.00} and it will be paid by the due date The delinquency problem with XXXX XXXX was created by XXXX XXXX. Since last XXXX I had unpaid balance on XXXX XXXX card for {$42.00}. All statements XXXX XXXX were sent to the wrong address. I live at the same address for over 30 years and never moved nor applied for change of an address. Not once XXXX XXXX  contacted me by phone or email to inform about the problem with my address. The balance were paid off and yet it's in my data. I totally oppose to have as delinquency, because of XXXX XXXX irresponsible actions. 
My monthly income amount shown in my report also incorrect. 
There XXXX addresses in my credit report and 2of them are incorrect. 
I never lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. That's a commercial address for XXXX XXXX. 
The address for on XXXX XXXX is incorrect. The correct address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. That's the address, where my mother used to live and was a co-owner. Last XXXX my mother passed away and that apartment will be sold.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.

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 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have been an American Express customer since XXXX and have multiple cards from American Express. Last year I got an offer where I would receive XXXX Membership Rewards points if I were to add an authorized user on my account and that authorized user were to make {$2000.00} in purchases on their card in the first 6 months of acquiring the card. 

I enrolled my wife, XXXX XXXX, as the authorized user on the account on XX/XX/XXXXXXXX  and she made more than {$2000.00} worth of purchases within the first 45 days itself when the total time she had was close to 180 days. Later on ( maybe a month later ), she might've made some returns on the purchases she made on the card. 

I, being the primary user on the card, made the necessary bill payments for the purchases that XXXX XXXX made as an authorized user and kept all my accounts in good standing. However, all of a sudden on XXXX XXXX, XXXX I received an email from American Express stating that they are deducting XXXX XXXX XXXX from my account. Upon inquiring, they mentioned that XXXX didn't meet the necessary terms and conditions of the offer and that's why they are deducting the points from the account. 

American Express has no system on its website or its mobile app whereby it displays or tracks how much aggregate purchases an authorized user has made, how much worth they might've returned and if they are in compliance with the terms of the offer or not. If there were returns made, American Express could've notified that XXXX is not meeting the {$2000.00} spend criteria upfront rather than deducting the points 6 months after the issuance of the card. 

There are no alerts to notify the primary user, in this case me, as well because had I known the same I could've gone out and used the card myself to meet the {$2000.00} requirement. Rather than notifying or alerting the customer they straightaway deduct the points and let the customers know after the fact without giving any ability whatsoever to track the spend of the authorized user. 

I want CFPB to lodge this complaint against American Express and wish them to restore the points they have deducted from my account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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:
n 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. 

Account name : XXXX # XXXX, Account name : XXXX : XXXX XXXX, Account name : 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 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 explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by in the State of GA on or about, XXXX, and resold on or about XXXX. Under the laws of the State of GA UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates.. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities, or continued reporting of this invalid claim on my credit reports, will be considered a violation of the FDCPA and FCRA.

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 2023-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I applied for student loan forgiveness under the TEPSLF program in mid-XXXX XXXX after reaching my ten-year anniversary of service at my regional public university XXXX XXXX XXXX XXXX XXXX XXXX I have been repaying student loans since at least XX/XX/XXXX, so I should have more than enough qualifying payments for the program as well. However, MOHELA, my current loan servicer has initially disqualified all those past payments by claiming that I was paid ahead on my payments due every month and therefore I did not received monthly billing. My stance is that I made the necessary payments under my graduated repayment plan regardless of whether I paid a bit ahead or not. 

My prior loan servicer - XXXX XXXX XXXX- did not do anything with my TEPSLF application between XXXX and XXXX XXXX. In XX/XX/XXXX, my {$26000.00} in remaining loan principal ( {$24000.00} DL consolidation subsidized + {$1900.00} DL consolidation unsubsidized ) was transferred to MOHELA for PSLF/TEPSLF processing. 

MOHELA has entered my loans ( inaccurately, I believe ) into their system, but they have only counted 31 qualifying payments toward each respective loan covering the period during the pandemic. When I reached out to MOHELA twice in early XX/XX/XXXX, I was told that my payments between XXXX did not count because I was always in " paid ahead status. '' This " paid ahead status '' is penalized under income driven plans, but I was on an entirely different repayment plan for graduated repayment. Regardless of whether I technically paid ahead I surely made the minimum payments each month, so these payments should be reclassified as qualified payments. 

In addition to the 31 payments per loan that MOHELA is counting for the pandemic, there are 114 combined payments MOHELA does not count between XX/XX/XXXX and XX/XX/XXXX, deeming that " no bill was due for the period. '' Additionally, MOHELA has no record of my repayments between XX/XX/XXXX and XX/XX/XXXX, which appears to be a flat out error and omission ( I'm listed as having one payment in XX/XX/XXXX which oddly does not qualify somehow as a qualifed repayment ). 

In my XXXX calls to MOHELA, I requested a hand recount of my qualifying payments under TEPSLF rules, and I was told to wait six weeks. MOHELA 's answer always seems to be wait, wait, wait. Could you at CFPB encourage MOHELA to expedite my recount and permit me to get to the point where I can appeal any faulty decision by MOHELA henceforth? I've seen from other posts of borrowers that they might wait many months or even years for such redesignations. 

Thank you very much, and I look forward to your reply and any follow up questions you may have. 

XXXX 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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Trident Asset Management {$610.00} I was a victim of idenity theft someone open accounts in my name. I notifty the company with a dispute letter and send in A ftc report it been over over 30days still no reply. They remove it then add the debt back on again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tesani Management Inc
State: UT

Complaint narrative:
They allowed me to make an arrangement for a payment on my account, and I advised them to take the funds on a specific date, to which they agreed to, but failed to do so. They're now messaging and emailing me repeatedly demanding that I fix the issue when it's not my fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : 1. XXXX XXXX account ending in XXXX, which was charged off. 
2. XXXX XXXX account ending in XXXX, which was also charged off. 
3. Collection account from XXXX XXXX XXXX ending in XXXX. 
4. Collection account from XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  ending in XXXX. 
5. Collection account from XXXXXXXX XXXX ending in XXXX. 
6. Charge off account from XXXX XXXX XXXX XXXX. 
7. Charge off account from XXXX ending in XXXX. 
8. Inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 

I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX account ending in XXXX, which was charged off. 
2. XXXX XXXX account ending in XXXX, which was also charged off. 
3. Collection account from XXXX XXXX XXXX ending in XXXX. 
4. Collection account from XXXX XXXX XXXX XXXX XXXX XXXX  ending in XXXX. 
5. Collection account from XXXXXXXX XXXX ending in XXXX. 
6. Charge off account from XXXX XXXX XXXX XXXX. 
7. Charge off account from XXXX ending in XXXX. 
8. Inquiries from XXXX XXXX on XX/XX/XXXXXXXX and XX/XX/XXXXXXXX 
I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 

I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has been reporting 2 of my investment property mortgages delinquent for about 6 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From 760+ to XXXX currently.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has been reporting 2 of my investment property mortgages delinquent for about 6 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From 760+ to XXXX currently.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has been reporting 2 of my investment property mortgages delinquent for about 6 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From 760+ to XXXX currently.

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 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a banking account with Wells Fargo. I initiated two separate transactions, via Wells Fargo 's website, to transfer money from an external account to the Wells Fargo checking account, using the other bank 's routing and account number. Wells Fargo denies having received these two transfers, for {$500.00} and {$100.00}. 

I called the credit union that transferred the funds. They have verified that they transferred both amounts to Wells Fargo and they have sent me proof of that transfer. Wells Fargo still denies they received it a week later, and they refuse to credit my account. 

I have been on customer support with them for HOURS, and they refuse to fix this. My next step is to get a lawyer I think, even if it costs more for the lawyer that the lost funds, because this is just blatant fraud on the part of Wells Fargo. 

I have attached the proof from my credit union that the two transfers happened. They are dated XX/XX/23 ( {$500.00} ) and XX/XX/23 ( {$100.00} ). Neither of these has appeared in my Wells Fargo account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief