vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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: CA

Complaint narrative:
I was making my monthly payments under the XXXX XXXX period from XX/XX/XXXX- XX/XX/XXXX. The rules were not clear on the deferment at the time and I wanted to ensure that I honored my commitment to the XXXX XXXX XXXX XXXX program. I had requested a refund for those payments on XX/XX/XXXX and was told by Mohela that it would take 60 days to process the refund. At the time, the refund was for all of the payments I had made up until that point. I called again on XX/XX/XXXX and was then told that it would take XXXX business days to process the refund. I additionally requested for a refund for the payments I had made after the XXXX date. Yesterday, XX/XX/XXXX would mark the XXXX business day from that first call in XXXX. I called today to check the status of the refund and all the person could tell me was that it was processing and that there was not anything I could do on my part to expedite the process. I was told today that it will take another XXXX business days for me to receive a refund. 

I feel that Mohela is giving me misleading information about when my refund is going to arrive especially as a former teacher who recently resigned to take care of my own mental health after experiencing three deaths in my family in the past 7 months. I already was not making much to begin with and thought that I would be okay financially operating under the assumption that I was going to receive the refund for all the payments I had made during that time period, which if I'm not mistaken, totals to about {$13000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 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: DISCOVER BANK
State: MI

Complaint narrative:
I've asked all 3-credit bureaus to do a thorough investigation on all of my accounts in which they did, and they have stated everything was accurate. I then reviewed the reports on my own and discovered that there are improper inaccuracies on my credit reports. 

The account and payment history that I found to be inaccurate is : Discover Bank, Account number ending in XXXX They have stated that this account belongs to me and I have notified them that it does not belong to me and asked that it be removed entirely from all 3 of my credit files. 

In accordance with the Fair Credit Reporting act, Discover Bank Account ending in XXXX has violated my rights.

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am missing one of my XXXX XXXX Credit Card account on my Experian Credit Report. My account from XXXX XXXX : XXXX is not reporting on my Experian credit file. The account disappeared off the file about 3 months ago although it is still open. The account has a credit limit of {$2000.00} and this is affecting my credit utilization rate tremendously. I need this problem fixed as soon as possible.

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 2023-02-09 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: TX

Complaint narrative:
Hi I was advised to reach out to you all about some accounts on my credit report that I dont know anything about. I went to the bank the other day to start the process to buy a home for my family and my banker was going on my credit and as she was naming things there are several accounts on there I know nothing about. Here are the items that needs to come off because they belong to someone else : 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 There were also several inquiries that are not mine : 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. I really need help with this im doing this by myself and need some help.

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 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX by XXXX XXXX XXXX ending in XXXX I have been contacted hundreds time illegally for the attempted collection of debt by XXXX XXXX XXXX they have no authority to recover debts in the state California by law 20 U.S.C 1234e I demand a cease and desist against XXXX XXXX XXXX also under 15 U.S.C 1681 Section 604A I have a right to privacy and with my credit report being with a third party agency my consumer credit rights have been violated again. I demand this error be deleted immediately

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 2023-02-09 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: Nelnet, Inc.
State: IN

Complaint narrative:
I have been a victim of identity theft. I have tried to resolve this issue repeatedly, and now this has been transferred to another company. Nelnet Also In accordance with the Fair Credit Reporting act XXXX  Account 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. 
I am not nor giving permission to furnish these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, XXXX, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, I am the living man, XXXX, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, XXXX, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

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 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

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 2023-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had over drawn my account by XXXX dollars in XX/XX/XXXX so I didnt no they closed the account in XXXX of of XXXX so XXXX of XXXX my tax check for XXXX dollars went to capital one and they didnt return it to the irs they took the overdraft and then three checks third party checks I cashed in XX/XX/XXXX they withheld only the amount of two of those checks then they said the irs told them to take XXXX and XXXX I was told the irs wanted that money returned to them so they closed the savings and they kept the checking account open with the amount of two of those third party checks total XXXX and I was only givin XXXX dollars XXXX XXXX so I called the irs and found out they never told capital one to with hold any money from my tax return they sent transcripts of my tax account capital one has not sent any funds to the irs at all I have left emails and phone messages for a year now to capital one and no one has called or emailed me back about my money I went to the bank on XXXX XXXX asking were is the money they took saying the irs has it I have proof that the irs never asked capital one to hold money or send any money and as of now they wont tell me were my money is the amount capital one took from my tax check is XXXX dollars XXXX is unaccounted for and XXXX is setting in a checking account and I get a statement from capital one with a balance and 14 cent interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NJ

Complaint narrative:
A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX XXXX XXXX credit report and they agreed to close the account however, it's still illegally on my credit report although the account was closed due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I tried to do a report with FTC but they keep directing me to CFPBXXXX Someone please reach out to me so we can handle this illegal issue soon. By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, because they pulled my report as a soft pull, hard pull without my written or spoken permission. 
Account that pulled my report without permission : XXXX XXXX Account # XXXX Hard Pull : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Soft Pull : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry XXXX : XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date Inquiry Dates:XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A : states that 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.

According to 15 U.S.C 1681n ( A ) ( 1 ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I am entitled to a full {$1000.00} ( violation ) payment. Please process the payments as soon as possible and provide me with written confirmation through mail that the payment has been completed.

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 2023-02-09 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: Westlake Services, LLC
State: IL

Complaint narrative:
I paid off my car loan on XX/XX/XXXX, but after 45 days, the account is still open in my credit reports as debt. 

After five times contact with West Lkae Financial services during XXXX and XXXX, they refused to provide a clear answer as to why the account is still open despite receiving their money. 

On XX/XX/XXXX and XX/XX/XXXX, they said they had reported to the credit agencies, but when I contacted the credit agency ( XXXX ), they said they had not been updated since XX/XX/XXXX. 

Getting paid off and keeping my account open in my credit reports is unacceptable and wrong.

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 2023-02-09 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: CA

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX BalanceOwed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00} ; XXXX XXXX XXXXXXXX BalanceOwed : {$14000.00}.

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 2023-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
AARGON COLLECTION AGENCY REP CALLED AND TOLD ME IF I DIDNT START MAKING A PAYMENT PLAN ON {$36.00} MEDICAL DEBT THAT I WAS NOT AWARE OF AND HAVE DISPUTED I COULD BE ARRESTED AND SUED AND MADE TO PAY BY BOTH FINES AND IN IN PRISONED ALSO I DID SOME DIGGING THEY HAVE ME OWING MEDICAL DEBTS FROM OVER 15 YEARS AGO THAT SHOULD HAVE BEEN DELETED BUT THEY KEEP BUYING DEBTS AND CLAMING THER NEW WHEN THEY ARE WELL OVER 15 YRARS OLD AND SHOULD HAVE BEEN DELETED AFTER 7 YEARS

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 2023-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : I found this number called me multiple times, and called back at XXXX XXXX. The person on the call talked about the debt collection and asked me to pay it. I asked them to send me a letter about the details. The destination address was verified by both of us. 
XX/XX/XXXX : Called me at XXXX XXXX, asked me to pay the money just like the previous call doesn't exist. I felt it was weired, asked them to send a letter again, the person directly cut off the line without answering to my question. 
XX/XX/XXXX : Called me at XXXX XXXX I answered to the call but no one was talking to me. 
XX/XX/XXXX : I sent an email to them, complained about the bad communication, and asked for a written statement and the way to resolve this issue. No reply. 
XXXX : Called me at XXXX XXXX, I answered to the call but no one was talking to me. I called back at XXXX, re-stated my request to them, I need get a written statement, by mail. The person said they have already sent out the letter to my address. I said it has been more than 10 days since I requested on XX/XX/XXXX, could you send it again in case the letter was lost. The person refused. Then I asked if they can send an email to me, the person agreed. But nothing received. 
XXXX : Called at XXXX XXXX, I answered, no one talking to me. I sent another email at XXXX XXXX. No reply. 
XXXX : Called at XXXX XXXX  again. I directly rejected because their bad history of communication. I called back at XXXX XXXX  after I finished most of my work today, but nobody answered the call. I feel very frustrated about this issue, and start filing a complaint on the website of cfpb. 

From the date I recognized there is an issue for me to deal with, I have been actively contacting them for information and solution. They seems badly organized and irresponsible. There is no way to get any written statement back from them. However, they are addicted to calling people in the early morning, which is illegal according to the law, but conveying nonsense in the call, totally helpless to resolve the problem. 

I take my credit seriously and recently got into anxiety because of their bad communication, which affected my life and work deeply. I need the help from CFBP to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, 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: KS

Complaint narrative:
i do not recognize these inquires nor did i approve them. I was not told about hard inquires not was i told my credit would be pulled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation