vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 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: CA

Complaint narrative:
XXXX XXXX XXXX account reported a late payment back on XXXX. This issue already got fixed by the store but only for XXXX. Please check your records and find this complaint in which you find an error and apologized for the late payment being reported. You stoped reporting this late payment only for XXXX but Equifax and XXXX still reporting it. Please update your UDF ( Universal Data Form )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: CA

Complaint narrative:
XXXX XXXX XXXX account reported a late payment back on XXXX. This issue already got fixed by the store but only for XXXX. Please check your records and find this complaint in which you find an error and apologized for the late payment being reported. You stoped reporting this late payment only for XXXX but XXXX and Experian still reporting it. Please update your UDF ( Universal Data Form )

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 2023-12-24 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: NH

Complaint narrative:
During the timeframe of XXXX, student loans were acquired for XXXX XXXX by the use of forged documents and my stolen Social Security number . In an attempt to further conceal this activity, these loans were then consolidated under my name using online activity. I discovered this in late XXXX  when my wages were unexpectedly garnished through my employer. I have tried to resolve this matter through many attempts with XXXX XXXX who maintains that I am responsible. I have provided approximately 85 pages of supporting evidence of identity theft. However, XXXX refuses to provide me any documentation supporting their position. 

Since XXXX has continued to act in bad faith condoning this criminal activity, I have moved this loan ( approx {$56000.00} ) away from XXXX to the US Dept of Education - MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2023, I mailed a letter to Citibank exercising my rights as a consumer under the Fair Credit Reporting Act, and also pursuant to 16 CFR 313.7 ( f ). In this letter I requested to opt out of any and all authorizations I may have provided to Citi, whether verbal, nonverbal, written, nonwritten or implied. I asked that a letter of acknowledgment be mailed to me and have not received any response from the company. Furthermore, Citi is still reporting my personal information to the CRAs after receiving written withdrawal of my authorization to do so. A copy of the letter mailed to Citi is attached.

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 2023-12-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I reported my card lost and I also reported transactions that wasn't me Direct Express only gave me XXXX back as a provisional credit I'm missing a lot more. This is my kids money & now I don't feel comfortable getting their money on this card since it's so easy for people to steal it but so hard to get it back. They act as if you are lying when you dispute transactions it's crazy. I'm a huge advocate for my kids & I want all their money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: GA

Complaint narrative:
I am writing to bring to your attention the apparent violation of 15 USC 1681c-2 regarding the blocking of fraudulent information on my consumer report. On XX/XX/2023, I submitted a package to Equifax containing my proof of identity, a letter explicitly stating my non-consent and non-benefit from the fraudulent activity, and a comprehensive identity theft report from the Federal Trade Commission. 


According to 15 USC 1681c-2, Equifax is obligated to block fraudulent information from my consumer report within four business days of receiving the aforementioned package. However, I recently received a letter from Equifax stating that the fraudulent information will not be blocked without re-submitting the documentation already provided. 


This discrepancy is a direct violation of the aforementioned statute, and I am hereby notifying you of my intent to pursue arbitration to resolve this matter. I urge Equifax to rectify this situation promptly, in compliance with the law, and to cease any further actions that contradict the legal requirements outlined in 15 USC 1681c-2.

The previous mentioned violation ( of 15 USC 1681c-2 ) constitutes a separate but continuing violation 15 U.S. Code 2068, each day of the violation constitutes a separate offense ( {$1000.00} each according to 15 U.S. Code 1681n ), the maximum civil penalty shall not exceed {>= $1,000,000}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
My us bank reliacard account froze my account during covid pandemic I can not remember how long. Or when exactly it began.. but there was a balance of XXXX in my account and I could not. Access funds .. i. Called and and called and called usbank.because there was no notice of anything wrong with my account and. I needed the money to survive... I couldn't transfer money or use the card at ATM. I can't believe how difficult it was dealing with the issue my ex girlfriend _then current _girlfriend. And I were left on the street and I was told by customer service there was nothing. I could do. I lost everything because there was no solution... Other. Than call unemployment, I contacted unemployment office after a few days of the line being. Busy or just not working and waiting on the. Fone for hours.. no. Solutions.. I couldn't pay the phone bill I lost the ability to have the convenience. Of using I ter et.. I can tell. You the mailing. Address of where the uscard was sent to XXXX Texas originaly and where the address was changed to after the account was froze... But I have absolutely no documents because my ex wife and I had problems communicating and getting. Along because of personal issues and but. My name and. Social and I haven't changed my fingerprints

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 2023-12-24 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: IL

Complaint narrative:
XXXX CARD SERVICES Inquiry : XX/XX/2023 the bank I called said I filled out a application. And would not tell me the specifics of what the application. I said I never did. And they said they could help me, even though it will be on my credit reports for 2 years. A hard Inquiry caused my entire credit scores and good feedback on my credit do not reflect a big loan paid off didn't reflect what should be on the my credit rating and so forth. 
+ Bank ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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 and confidentiality under 15 U.S.C 1681 XXXX XXXX & XXXX XXXX XXXX XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: CA

Complaint narrative:
XXXX 's decided to report my account as late back on XX/XX/2023 and it has brought a burden ever since. Credit is being denied, account are being closed, and other they just lowered my credit limit due to XXXX incapability to do their job and report accurate and double checked information. This is the importance of human eyes and human job and not trusting softwares completely. I'm still carrying this burden due to their HUGE mistake. After this I will be seeking legal counsel to ease my burden and collect all monetary relief possible for everything I had gone through. 

Attached all payment showing no payment was made late and also an screenshot showing you reporting me late to TrasnUnon and Good know where else. 


If you need this, I XXXX XXXX XXXX authorized CPFB to disclose my information to you and I authorize XXXX 's to do the same.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX 's decided to report my account as late back on XX/XX/2023 and it has brought a burden ever since. Credit is being denied, account are being closed, and other they just lowered my credit limit due to XXXX incapability to do their job and report accurate and double checked information. This is the importance of human eyes and human job and not trusting softwares completely. I'm still carrying this burden due to their HUGE mistake. After this I will be seeking legal counsel to ease my burden and collect all monetary relief possible for everything I had gone through. 

Attached all payment showing no payment was made late and also an screenshot showing you reporting me late to XXXX and Good know where else. 


If you need this, I XXXX XXXX XXXX authorized CPFB to disclose my information to you and I authorize XXXX 's to do the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: CA

Complaint narrative:
XXXX 's decided to report my account as late back on XX/XX/2023 and it has brought a burden ever since. Credit is being denied, account are being closed, and other they just lowered my credit limit due to XXXX incapability to do their job and report accurate and double checked information. This is the importance of human eyes and human job and not trusting softwares completely. I'm still carrying this burden due to their HUGE mistake. After this I will be seeking legal counsel to ease my burden and collect all monetary relief possible for everything I had gone through. 

Attached all payment showing no payment was made late and also an screenshot showing you reporting me late to XXXX and Good know where else. 


If you need this, I XXXX XXXX XXXX authorized CPFB to disclose my information to you and I authorize XXXX 's to do the same.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
need clarification as to why you are reporting certain information on my credit report. Please review the following YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

I have also NOT received a 1099-C even though I have asked for one multiple times. Yet you marked this account as a WRITE OFF on my credit reports PLEASE DELETE THIS ACCOUNT 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 2023-12-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2023, I sent Transunion two letters regarding my personal information being updated and disputing some accounts on my profile. I did not receive a response from them. I know by law they are permitted a thirty-day window to respond and Transunion has failed to comply.

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 2023-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: CA

Complaint narrative:
I received a {$70.00} prepaid XXXX debit card as a rebate from XXXX tires for purchasing a set of tires. I submitted my mail in rebate some time around XXXX XXXX XXXX. I don't recall how long it took to receive the card but it was most likely 4-8 weeks. When I received the card it expired in less than a year, XXXXXXXX XXXX XXXX. 

I tried to request a replacement card on prepaiddigitalsolutions.com since I did not use it in time. There was an automated message that my card is expired and I can not request my funds or a new card. I tried calling their customer support at XXXX XXXX XXXX XXXX, and was unable to talk to a human because I needed a valid card number that was not expired in order to use their support system. 

I think it is unreasonable and misleading to issue a prepaid card that is only valid for a few months, and the issuer keeps the funds if it is not used in that time. I may have purchased tires elsewhere if I understood how limited the {$70.00} rebate was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2023, I sent Experian XXXX letters regarding my personal information being updated and disputing some accounts on my profile. I did not receive a response from them. I know by law they are permitted a thirty-day window to respond and Experian has failed to comply.

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 2023-12-24 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: WA

Complaint narrative:
I contacted Mohela in XXXX to ensure that I had active in-school deferment. They processed my request and issued a message that my in-school deferment was active. In XXXX, an automatic debit of {$280.00} was taken from my checking account, thereby overdrafting my checking account on the Monday before XXXX. On calling, I was informed that my in-school deferment expired on XX/XX/XXXX, thus my account was in repayment and I was debited on XX/XX/XXXX. I was told that I would need to find and download the in-school deferment form and have my school complete it. I was also told that the refund for this debit would take 7-10 business days to approve and process, and that no overdraft fees would be reimbursed. I asked how my account was setup to autodebit when I had never set this up on my accountnot only did I not sign up for this service, I never provided them with my bank details. They could not tell me how or why this was done without my consent. In fact, the Resolution Specialist requested a copy of my bank statement to show that my account was overdrafted due to this erroneous debit. 

After XXXX days, my account is still listed as in repayment and I have received no messaging or confirmation that I had been placed on deferment or that my refund is processing. I am concerned that their debiting process will continue to be an issue and I question its legality. I have not had an autodebit for student loan repayment setup since the servicer I had in XXXX. That was XXXX servicers agoI have been moved from XXXX then to Mohela since then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
make a complaint against Experian for calling me the name I was trafficked and not using my real name XXXX XXXX XXXX. I also filed a complaint against this company for blatantly not investigating this since I am 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 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE HAD A FREE EXPERIAN MEMBERSHIP SINCE 2021 AND DECIDED TO TRY OUT THEIR DIGITAL CHECKING ACCOUNT, BUT I AM EXPERIENCING BAD CUSTOMER SERVICE AND I CAN NOT TRUST THIS BANKING SERVICE. SINCE I HAVE OPENED THE ACCOUNT, NONE OF THE AGENTS I SPOKE TO CAN FIND MY ACCOUNT AFTER GIVING ALL MY INFORMATION INCLUDING PERSONAL INFORMATION INCLUDING BIRTHDAY AND SOCIAL SECURITY, THERES BEEN CHARGES ON MY ACCOUNT THAT THEY CAN NOT TELL ME WHERE THE CHARGE CAME FROM AND THEY WILL NOT ALLOW ME TO CLOSE MY ACCOUNT STATING THEY CAN NOT FIND IT WHILE ITS AN ACTIVE OPEN ACCOUNT. AT THIS POINT I JUST WANT TO CLOSE THAT ACCOUNT AND EXPERIAN IS NOT ALLOWING ME TO DO SO EVEN THOUGH THEY ARE SAYING THEY CANT FIND THE ACCOUNT, I FEEL LIKE I AM BEING SCAMMED AND HELD AGAINST MY WILL WHEN ALL I WANT TO DO IS CLOSE MY ACCOUNT AND CUT TIES WITH EXPERIAN DIGITAL CHECKING, PLEASE 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 2023-12-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX as showing on my Experian report has not under any circumstances resolved this issue. 

ive stated that this isn't my account and for them to validate this as Per the fact I was incarcerated from XX/XX/2023 to XX/XX/2023 this debt shows opened on XX/XX/2023 I was incarcerated in XXXX XXXX detention center during that time and that can be verified with the police officials For the fact that Ive stated many times for this item to be removed not only did the ignore my request but they Maliciously, Abusively, and in unfair manner Sent this file to collections to further my burden. 

Under FDCPA Debtors are not allowed to operate in such manner and this company seems to purposely be doing so. 


Ive attempted to resolve this not only with the company but also with Experian who has also not resolved to remove this from my credit file promptly. 


Under : 15 U.S. Code 1681 - Congressional findings and statement of purpose Item ( B ) States : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter XXXX XXXX XXXX Has violated this law and is acting maliciously in the sense. 

I want this item removed from my credit file and my credit file updated and a written letter of the prompt removal and updated 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