vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was informed on XX/XX/XXXX, by email that my Bank account password was changed. I then called Bank Of America and I was informed that someone tried to use my information to deposit fake checks into my account. I was told I can report it to fraud department but nothing can be done. I went through the fraud department then I went online to open a new checking account due to this situation not being my fault as well as being scammed. I was also told the location of where they tried to deposit which is nowhere near me due to school and the transaction history shows me using my debit card in my city XXXX XXXXXXXX XXXX on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Per my previous complaint logged with Equifax # XXXX They are stating on their website that the case is closed. They have never sent me any information regarding the outcome. On this website it says case pending. It is impossible to speak to a person or dispute anything regarding this case on their website. They are also asking me to mail them documents with information that I do not want to send in the mail but again I have no way to upload these documents or speak to a human being regarding this request. This request is also being made even though they are saying the case is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist Bank has never issued the XXXX related to this debt.

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 2023-11-02 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: MI

Complaint narrative:
On XX/XX/XXXX Mohela auto-deducted a payment of {$580.00}. This is much higher than I was expecting. I am on the XXXX plan and I believe this payment is incorrect. It is hundreds of dollars higher than the FSA Loan Simulator estimated. Further, my account on the Mohela site lists a " tier XXXX '' payment of this amount for XXXX XXXX XXXX but then a " tier XXXX '' payment in the amount of {$230.00} starting in XX/XX/XXXX. There is no explanation of what these " tiers '' are, how these payments were calculated, or why my payment amount on each tier is so different. FSA and Studentaid.gov have no information about " tiers. '' I messaged Mohela on XX/XX/XXXX to inquire about these questions and received an auto-generated reply saying that I would get a response within three business days. I never received that response. 

On XX/XX/XXXX, Mohela again deducted a payment of {$580.00}, which I continue to believe is too high, based on the FSA Loan Simulator estimate and my own XXXX  plan calculations. I tried calling but had to give up because the wait time was long and I had to go to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: M&T BANK CORPORATION
State: KY

Complaint narrative:
When I purchased the XXXX XXXX XXXX, I was told that the financial organization, ( M & T bank of XXXX, Ohio ), would allow me to make larger payments than what is required to offset the huge interest rate applied to the loan. When I sent in a payment of {$240.00} and {$1000.00} toward the principal they did not apply it as directed they moved the next payment due until XXXX XX/XX/2023. This besides the fact that the interest rates are out of this world I think their business practices need to be investigated.

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 2023-11-02 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: TX

Complaint narrative:
I HAVE DISPUTED THIS INFORMATION CONTAINED IN MY CREDIT REPORTS SEVERAL TIMES AND I HAVE NOTIFIED THE CREDIT BUREAUS THAT THESE ITEMS DO NOT BELONG TO ME AND NEEDS TO BE DELETED FROM MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE SUBMITTED PROPER DOCUMENTATION IN THAT REGARD AND THEY STILL WILL NOT DELETE IT FROM MY CREDIT FILE. THEY HAVE ALOS REFUSED TO SEND MY ANY DOCUMENTATION THAT VALIDATES THIS DEBT ... REASON IS BECAUSE IT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THESE ACCOUNTS ARE NOT MINE AND DO NOT BELONG TO ME, THEREFORE THEY NEED TO BE DELETED FROM MY CONSUMER CREDIT FILE.

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 2023-11-02 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: TX

Complaint narrative:
I HAVE DISPUTED THIS INFORMATION CONTAINED IN MY CREDIT REPORTS SEVERAL TIMES AND I HAVE NOTIFIED THE CREDIT BUREAUS THAT THESE ITEMS DO NOT BELONG TO ME AND NEEDS TO BE DELETED FROM MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE SUBMITTED PROPER DOCUMENTATION IN THAT REGARD AND THEY STILL WILL NOT DELETE IT FROM MY CREDIT FILE. THEY HAVE ALOS REFUSED TO SEND MY ANY DOCUMENTATION THAT VALIDATES THIS DEBT ... REASON IS BECAUSE IT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THESE ACCOUNTS ARE NOT MINE AND DO NOT BELONG TO ME, THEREFORE THEY NEED TO BE DELETED FROM MY CONSUMER CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
On XX/XX/2023 I went to make a payment with Mr Cooper. Their website, app, and phone all say their system is down and you can not make payments. I called and checked online again today XX/XX/2023 and the system is still down. There is no way to make a payment or get ahold of someone. Interest accrues daily and this seems like a way for them to make extra money on fees and interest. This is illegal not allowong a customer to make a payment on their loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-02 00:00:00
Product: Credit reporting 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:
I have several inquiries on my TransUnion Credit Report that I did not authorize and are fraudulent. 

The following inquired that need to be removed are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02 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: VA

Complaint narrative:
I've submitted documentation from credit card company, which stated that the credit account is fraudulent to Experian credit reporting agency, and they refused to update my credit report. I am not able to contact Experian via phone to dispute their results, I was told I must submit my request through the mail. I would also like to have the third-party vendor they've used to verify this fraudulent 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've made disputes with all credit bureaus, Experian is the only one who keeps reporting innacurate information with my XXXX XXXX XXXXXXXX Account, and reporting an address that I've never lived at. All credit reporting agencies have deleted the incorrect address on XXXX XXXX and report XXXX XXXX XXXX as a closed account. There is also a collection from XXXX XXXX XXXX for this address that I never lived at, and although I show them proof of where I lived in the USA, and even that I was working out of the country, they continue to report this false info.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: MO

Complaint narrative:
Several weeks ago, I contacted Elan Financial Services, which services my XXXX Credit Card. I checked my balance with the account, and they confirmed my balance is {$1100.00}. However, XXXX XXXX and XXXX show my balance as {$7100.00}. 
I disputed this with the credit bureaus, and XXXX came back with this result : RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated. 
This inaccurate balance on my credit report is impacting my credit score keeping it in the 670 area.

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 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I was with Navient student loan servicer for XXXX until XXXX when they were sued by governement. They moved me over to XXXX servicer. I have not received my debt relief from the lawsuit. My current payment is XXXX a month, and I can not afford to pay that. How do I find out how to get the debt relief from the lawsuit against Navient. I spoke with XXXX XXXX. gov and they gave me the CFPB number to file complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
The bitcoin scam through XXXX and cash app telling people that they will give money Im exchange for XXXX do when we purchase it afterwards they block you and hack your page compromising your passwords and keeping you from signing in or having any access to your XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: WI

Complaint narrative:
Repeated calls, during all hours. Up to 4 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: FL

Complaint narrative:
On XXXX XXXX| submitted an online dispute to XXXX telling them upon viewing my report I notice several inaccurate items, I asked them to please provide me all the information Equitax used to verify these inaccurate student loan late payments. On XXXX XXXX Equifax had completed their reinvestigation and marked the disputes being accurate still and didn't provide me with copies or details of how they got the information, who they spoke with in order prove accurate? I received the credit report stating the results of each account has been updated. Additional information has been provided from the original source regarding the items. But it didnt show what information from the original source was provided and the credit report didnt reflect any changes made. On XXXX XXXX I disputed the inaccuracies again, on XX/XX/XXXX The investigation was complete Confirmation number # XXXX and they told me to be specific with the concerns by listening account names, numbers in the nature of the dispute, even though my dispute was clear. The following accounts by Dept of edXXXX are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per XXXX these accounts that I have listed are reporting inaccurate late payment information when these accounts where in forbearance. Also, I have attached screenshots showing the dispute side my student loans are reporting late payments from XXXX these late payments go from 90 days late to 120 days late never being in 30 days late first or XXXX. And on the credit report side the payments reflect something different for the student loans showing the payments late for XXXX and XX/XX/XXXX as being 120 days late? And the previous data marked as unknown I never received a credit report showing this update.Equifax is clearly violated my rights to fair credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are not giving me my free reports.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are not giving me my free reports.

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 2023-11-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have noticed an account reporting on my report I do not recognize According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: TX

Complaint narrative:
Going over my monthly consumer report I've noticed that Experian is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Experian thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Experian continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a credit monitoring service called XXXX that monitors my service. On my last credit report, the following addresses are still associated with my name. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never lived at these addresses. They belong to either my ex-wife or somebody else.

I have attempted to remove these addresses numerous times with all three credit reporting agencies and have had my complaints closed because I have made previous complaints. Yet, the addresses still remain on my report.

I do not consider this a duplicate complaint submittal until the addresses above have been removed from my credit report. 

Please remove all three addresses listed 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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have noticed an account reporting on my report I do not recognize According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified

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