vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: WA

Complaint narrative:
I have around XXXX in student loans. XXXX was my student loan servicer prior to XX/XX/XXXX. I enrolled in PSLF and my loans were moved over to Mohela in XX/XX/XXXX. For XXXX  months now, XXXX has reported on my credit report that I have twice the amount of student loans as I actually have, over XXXX, because they show the total amount of my student loans reported by XXXX, and also the total amount of my student loans reported by Mohela. I filed a dispute with XXXX in XXXX, XXXX about the XXXX reporting of the loans. XXXX closed the dispute after contacting XXXX, but no changes were made, and XXXX still reports me as having more than XXXX in student loans. I contacted XXXX, who told me that I owed them XXXX dollars and that my account was closed and that I needed to reach out to Mohela to resolve the doubled reporting of the student loans on my credit report. I reached out to Mohela in XXXX, who told me that they would update my credit report. As of today, my credit report shows that Mohela updated XXXX with my student loan balance of around XXXX as of XX/XX/XXXX, but my student loans are still being reported by both Mohela and XXXX on my credit report, totaling just over XXXX. 


At this point, I do not know if Mohela or XXXX is the entity that needs to update their reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have around XXXX in student loans. XXXX was my student loan servicer prior to XX/XX/XXXX. I enrolled in PSLF and my loans were moved over to XXXX in XX/XX/XXXX. For 11 months now, Experian has reported on my credit report that I have twice the amount of student loans as I actually have, over XXXX, because they show the total amount of my student loans reported by XXXX, and also the total amount of my student loans reported by XXXX. I filed a dispute with Experian in XXXX, XXXX about the XXXX reporting of the loans. Experian closed the dispute after contacting XXXX, but no changes were made, and Experian still reports me as having more than XXXX in student loans. I contacted XXXX, who told me that I owed them XXXX dollars and that my account was closed and that I needed to reach out to XXXX to resolve the doubled reporting of the student loans on my credit report. I reached out to XXXX in XXXX, who told me that they would update my credit report. As of today, my credit report shows that XXXX updated Experian with my student loan balance of around XXXX as of XX/XX/XXXX, but my student loans are still being reported by both XXXX and XXXX on my credit report, totaling just over XXXX. 


At this point, I do not know if XXXX or XXXX is the entity that needs to update their reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 explanation
Consumer complaint received 2024-03-14 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: FL

Complaint narrative:
I am writing to formally dispute the presence of several unauthorized hard inquiries on my credit report, as detailed in the report I received from your agency. Upon careful review, I have identified inquiries that were made without my consent or knowledge. These inquiries are negatively impacting my creditworthiness, and I am seeking your urgent assistance in investigating and rectifying this matter. 

Please see attached letters for each bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a XXXX payment of {$1500.00} on XX/XX/XXXX, which I did not recognize Upon realizing this, I promptly became aware that the funds were not intended for me. The rightful owner of the funds has since reached out, requesting their return. However, despite their request, my bank has advised me to retain the funds due to an existing negative balance in my account. This presents a conflicting situation, as the owner rightfully seeks the return of their funds from me. I'm deeply distressed by the situation, especially given my recent job loss, which has heightened my XXXX XXXX XXXX  The owner of the money is threatening to take legal action against me. In response, I've contacted Capital One Bank to inform them that the funds in do not belong to me and they have stated to keep the funds even though theyre not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Received account statements from BMO bank on a savings builder account with a account balance of XXXX for two months. I've never even heard of BMO, when I tried to call and resolve this they said they can't verify who I am after I gave them my name, last four and the account information. They verified that the account exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. XXXX5 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I have requested information on the debt from this company from XX/XX/2023- XX/XX/2023. They have not sent me any information regarding the debt. I have sent them letters and letters to the credit bureaus requesting information. They sent whatever they sent to the 3 and have not received one document from them.

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service because of this, I have faced financial hardship and its been hard for me to purchase a home with this unverified debt on my report. This agency has also not made an update from XX/XX/2023 and can not verify the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of several unauthorized hard inquiries on my credit report, as detailed in the report I received from your agency. Upon careful review, I have identified inquiries that were made without my consent or knowledge. These inquiries are negatively impacting my creditworthiness, and I am seeking your urgent assistance in investigating and rectifying this matter. 

Please see attached letters for each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of several unauthorized hard inquiries on my credit report, as detailed in the report I received from your agency. Upon careful review, I have identified inquiries that were made without my consent or knowledge. These inquiries are negatively impacting my creditworthiness, and I am seeking your urgent assistance in investigating and rectifying this matter. 

Please see attached letters for each bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
For the last week I have been getting constant calls everyday at least 3-5 times daily. Also calling from No caller ID multiple times a day. In the last 24 hours, Ive received 8 calls from the reported number and 4 calls from No caller ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2024 {$3700.00} check was sent to Regional Acceptance Corporation/Truist Bank from XXXX XXXX XXXX on my behalf and was not applied the way that I requested to be : six monthly payments of {$620.00}. The loan is currently in default and negatively impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: NC

Complaint narrative:
I reviewed my credit report and noticed there were fraudulent accounts on my credit report. Please remove these fraudulent accounts, they are preventing me from obtaining credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
While in XXXX visiting my XXXX  I was charged XXXXXXXX XXXX while I was in XXXX and it was holiday weekend so I had to wait til XXXX to speak with someone. Filed a fraud claim and was given a new card and temp credit fast forward XXXX weeks later my account is now negative XXXX XXXX because the bank said I need to provide evidence to support my claim. I have banked with chime for XXXX  years no issues and they hang up on me everytime I ask for a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XXXX XX/XX/2024 Rushmore informed me that my loan would transfer on XXXX XX/XX/2024, yet today I received notice that Rushmore will charge my bank account as usual on XXXX XX/XX/2024. Meanwhile, my new servicer, XXXX XXXX XXXX in XXXX XXXX XXXX, is demanding payment in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These inquiries were not authorized by me and I strongly believe they are fraudulent. I implore you to conduct a thorough investigation and promptly remove them 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 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I XXXX XXXX, I have been unaware of these XXXX printed checks, under my account on Wells Fargo and notified, Wells Fargo ; as soon as I found them on my account history. I have delt with a terrible experience in regards to Wells Fargo assisting in these Fraudulent and tragic losses, I've obtained. I have unfortunately had a recent other encounter with them that made me investigate the status of these checks. I have already previously addressed this and from what the bankers have told me on the phone and even via mail, this is completely illegal. 
Honestly, it's purely evil. I don't even recognize the company name and would never give anyone knowingly access, to print checks on my behalf. These checks have now backdated for at least a year of this company printing checks that I apparently signed without my knowledge. When I was notified that these checks were printed, I was disturbed, because I don't even use checks. I've only used a few once in a blue moon for rent, for my company and the move I made. 
I am signing an affidavit to attach some of these XXXX checks for your reference. I have just became aware that I can utilize your assistance for the issues pertaining to Wells Fargo. Even if its just as mediation ; to a honorable outcome. 

Wells Fargo keeps prolonging communication with me and or completely ending the call, whenever I answer to address this matter. Please help me escalate this because it has been fat too long and I have suffered tremendously from this loss in my company and the way in which Wells Fargo has handled the situation really doesn't make sense. They denied the most recent check claimed but paid out others? Told me I was denied, due to timing. Which again, wouldn't make sense then that I would be paid out for the older checks? Please help 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 explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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