vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MN

Complaint narrative:
My goal was to understand and open my replacement options. My XX/XX/XXXX application was rejected because of the temporary suspension on student loan payments, reason stated was that my new payment would be more than {$0.00}. 

My XX/XX/XXXX application is pending a response and they have placed my account in administrative forbearance through XX/XX/XXXX, which I did not request. I am a public school teacher and am currently working toward XXXX consecutive payments to qualify for the XXXX program. Information indicates that any payments I make in this new forbearance window will not count toward my PSLF payments and that my balance will accrue interest during this time. 

I tried to get this information early. When I was rejected, I planned to follow the timeline in Mohela 's correspondence. I used their correspondence timeline to create my request. I did but receive any correspondence after filing my XX/XX/XXXX online application for 19 days. 

Without Mohela bring able to process my request in a timely way, they are extending the cost of paying off my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello i am trying to get my funds like the us bank closed my account and i have money on there they keep turning me around telling me that the funds or check will arive within 7 days or 10 days of closing the account and it never came it has been XXXX plus days now. Please help because i need the money to pay rent

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 2023-09-29 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: AL

Complaint narrative:
Dear cfpb can you please look into the account named XXXX XXXX XXXX and make sure everything is reporting 100 % accurate and if its not please remove it from equifax & XXXX because they will not follow the FCRA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: Amsher Collection Services, Inc.
State: ME

Complaint narrative:
I am writing to formally lodge a complaint regarding an unauthorized XXXX account that has been opened under my name without my knowledge or consent. This matter was brought to my attention during a necessary security clearance check, and it has caused me a considerable amount of distress and inconvenience. 

Complaint Details : Account Holder Name : XXXX XXXX Possible Account Number : XXXX Address Associated with Account : No available but the agent said XXXX XXXX Texas Date of Account Opening : No available Balance reported : XXXX For your reference, I have been residing and working exclusively in XXXX and XXXX from the year XXXX until the present year, XXXX, as can be verified by my employment records and residential documentation. During this period, I have not authorized any third party to open a XXXX account or any other account on my behalf, nor have I opened such an account myself. 

I kindly request you to investigate this issue with the utmost urgency and provide me with a detailed report of your findings. I believe this to be a case of identity theft, and I am prepared to take legal action if necessary to resolve this matter and clear my name. 

In addition, I insist on the immediate closure of this unauthorized account, the removal of any associated charges, and the rectification of any negative impact this has had on my credit report. 

Please find attached copies of my identification, proof of residence, and employment records, substantiating my claims in this complaint. I trust that XXXX will treat this matter with the seriousness it warrants and act expediently to rectify the situation. 

Thank you for your immediate attention to this matter. I anticipate a prompt response, outlining the actions taken to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Between XX/XX/2019, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from XXXX Bank of America account to fraudulent investment firm ( 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 2023-09-29 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.

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 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-29 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: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-29 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-29 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: TN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
To XXXX XXXX, In your letter dated XXXX XXXX you state I received a copy of your Financial Privacy Policy when the account was opened allegedly in my name and that I can limit information sharing ( OPT OUT ) if I wish to do so. 

Well, I would like to officially OPT out of the following accounts you are reporting without my permission. 

XXXX ) Comenity Bank XXXX XXXX # XXXX ..... 
XXXX ) Comenity Bank XXXX XXXX # XXXX ..... 
XXXX XXXX Comenity Bank XXXX XXXX # XXXX ... ... ...... 
XXXX XXXX Comenity Bank XXXX XXXX XXXX # XXXX ... ...... 

You mention you sold accounts to another company, BUT your company is still reporting this account and therefore I am officially requesting that you OPT me out of credit reporting the accounts that have no business reporting in my credit reports in the first place that you are currently reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: ND

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I am writing to formally lodge a complaint regarding an unauthorized Spectrum account that has been opened under my name without my knowledge or consent. This matter was brought to my attention during a necessary security clearance check, and it has caused me a considerable amount of distress and inconvenience. 

Complaint Details : Account Holder Name : XXXX XXXX Possible Account Number : XXXX Address Associated with Account : No available but the agent said XXXX XXXX Texas Date of Account Opening : No available Balance reported : XXXX For your reference, I have been residing and working exclusively in XXXX and XXXX from the year XXXX until the present year, XXXX, as can be verified by my employment records and residential documentation. During this period, I have not authorized any third party to open a Spectrum account or any other account on my behalf, nor have I opened such an account myself. 

I kindly request you to investigate this issue with the utmost urgency and provide me with a detailed report of your findings. I believe this to be a case of identity theft, and I am prepared to take legal action if necessary to resolve this matter and clear my name. 

In addition, I insist on the immediate closure of this unauthorized account, the removal of any associated charges, and the rectification of any negative impact this has had on my credit report. 

Please find attached copies of my identification, proof of residence, and employment records, substantiating my claims in this complaint. I trust that XXXX will treat this matter with the seriousness it warrants and act expediently to rectify the situation. 

Thank you for your immediate attention to this matter. I anticipate a prompt response, outlining the actions taken to resolve this issue.

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 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Dave Operating, LLC
State: GA

Complaint narrative:
My account was closed without my knowledge due to supposed security issues, though there was no unusual activity on my account. I contacted the company and they refused to tell me why the account was closed but said that I would receive a paper check within 14 days. Thats been 3 weeks ago almost and the only response I get when I ask about the check is the day it was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: PA

Complaint narrative:
in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy under confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15USC1681 section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more then seven years 15 USC 1681subsection 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 2023-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have sent Macy 's a letter disputing this charge and they are ignoring my request and continuing to bill me for the {$58.00} and now adding late fees to the original amount. There was never an explanation for the original amount. 

Macys , Inc. 
XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, NY XXXX Dear Sir or Madam, I am disputing a charge on my XX/XX/2023 statement in the amount of {$58.00}. I talked to one of your agents on the phone on XX/XX/XXXX, and she explained that the charge is for the discount of {$58.00} I received when I purchased luggage for {$290.00}. I returned the luggage to the XXXX XXXX XXXX  and was reimbursed for {$290.00}. I should have received credit for {$58.00} as I returned the luggage. I did not keep the luggage and never used it. I did keep and pay for the other purchases I made on my first day with that new credit card. 
The bill I received in XXXX shows a previous balance of {$460.00}, payment of {$170.00}, credit of {$290.00}, and purchases or other debits of {$58.00}. My records and receipts do not explain the purchases or other debits in the amount of {$58.00}. 
I notified your billing department in XXXX that I was disputing the original charge of {$58.00}, but your billing department has neither acknowledged my questioning the {$58.00} nor relented in attempting to collect this amount, without explanation. I have been advised that I should contact the Consumer Financial Protection Bureau if you continue to attempt to collect this amount. Please explain the reason why you are demanding payment for a discount when I returned the luggage unused and with tags still on the luggage only a few days after my purchase. 
As a result of my phone call to Macys Customer Service on XX/XX/XXXX, my account has been credited for a late fee of {$30.00} plus an additional fee of {$2.00}, but I have received nothing, neither goods nor services, for the {$58.00}. I would greatly appreciate a note from your business acknowledging the dispute over this amount and expunging {$58.00} from my account. 
Sincerely,

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