vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 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: Experian Information Solutions Inc.
State: GA

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. 


XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXXXXXX XXXX XXXXXXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
On XX/XX/2022 I was notified that my Public Service Loan Forgiveness ( PSLF ) application was missing information in Section 3 -- specifically my employment start date. I reviewed the complete application originally I submitted, validating Section 3 was completely filled out by my employer. 
The notification requested my employer contact MOHELA within 60 days of receipt to provide the " missing information. '' I called the number provided to hopefully resolve the issue myself. I tried multiple times to reach a human being, but in the end, reached a recorded message stating " due to the unprecedented interest in load forgiveness, we are unable to take your call. '' The recording did not provided alternative was to resolve the issue and automated services did not meet my needs. 
It seems to be a conflict of interest to have a student loan company in charge of discharging loans. MOHELA has been vocal about the potential revenue loss and I am rightfully concerned about the level of their integrity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-Transunion are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law. I will pursue litigation if you fail to delete this information outlined in the letter enclosed.

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 2022-10-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The accounts below are not mine. I respectfully request a full complete investigation regarding these accounts. I have attached My 609 letters, XXXX  COMPLAINT, & FTC REPORT XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 I request to have the above accounts and inquiries removed 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 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
XX/XX/2022 The amount thats was taken from my account fraudulently was a total {$630.00}. I filed a dispute immediately with my bank and my bank denied the dispute and told me that I could appeal it and that I would have file a police report and I did as well as submitted the police report to the bank. 

XXXX XXXX, 2022 I was on the line with current bank when someone hacked my account and began taken money from my account. I was watching my money being depleted from my account and the person who was hacking my account was in another state from me. The amount that was taken from me was {$500.00}. And once I filed the dispute the bank did not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My report is showing a XXXX XXXX credit card that was open in XXXX account number XXXX. It has several late payments and was charged off and closed in XXXX. However, I was incarcerated during time thus just making this fraudulent. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2022-10-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My report is showing a XXXX XXXX credit card that was open in XXXX account number XXXX. It has several late payments and was charged off and closed in XXXX. However, I was XXXX during time thus just making this fraudulent. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2022-10-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-Equifax are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law. I will pursue litigation if you fail to delete this information outlined in the letter enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: MD

Complaint narrative:
I sent a letter to Experian, XXXX and XXXX to REMOVED personal Information and unauthorized inquiries that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Personal Information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character

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 2022-10-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 2022-10-31 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: IL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates 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 2022-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a letter to XXXX, XXXX and Transunion to REMOVED personal Information and unauthorized inquiries that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Personal Information : 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 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  According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character

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 2022-10-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a letter to XXXX, Equifax and XXXX to REMOVED personal Information and unauthorized inquiries that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. 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 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 XXXX According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
That have not took late payment off my credit report it was their fault. They closed account out and said I had a XXXX balance then 2 months later showed 30 days past due. They restricted and closed account out so I couldn't get into app or website. I have proof see attached documents. They Said I had a XXXX balance and the account and card was closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC
State: OH

Complaint narrative:
Title 15 COMMERCE AND TRADE - CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER 1 -CONSUMER CREDIT COST DISCLOSURES 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Board under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided that, effective on the designated transfer date, this section is amended by striking Board each place that term appears and inserting Bureau. See Effective Date of XXXX Amendment note below. 
EFFECTIVE DATE OF XXXX AMENDMENT Amendment by Pub. L. 111203 effective on the designated transfer date, see section 1100H of Pub. L. 
111203, set out as a note under section 552a of Title 5, Government Organization and Employees. 
1612. Effect on government agencies ( a ) Consultation requirements respecting compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I have a Citi XXXX XXXX credit card since XXXX and it had a reward points of XXXX till XXXX XX/XX/XXXX ( as per the statement email received from the Citi bank for the account ending with XXXX ) but when I tried to check online for my rewards points, all of the points were gone. 
I connected with the Citi XXXX ( XXXX XXXX ) on XXXX XX/XX/XXXX for the same and the executive informed me that the card account has been XXXX and she is raising a request to reinstate the card and asked me to wait for XXXX business days. 

On XXXX XX/XX/XXXX, I again connected with the Citi CustomerCare ( XXXX XXXX ) executive on I was informed the same that the card account has been disable and the previous request was denied, so she is raising the request again with the notes. 

On XX/XX/XXXX, I again connected with the Citi CustomerCare ( XXXX XXXX ) someone called " XXXX '' and told him about my concern. He ( XXXX ) also said the same thing that the card account has been disable and the previous request was denied from the department, so he is raising a case this time ( Case Id : XXXX raised on XX/XX/XXXX ) and asked me to wait for 5 business days. 

On XXXX XX/XX/XXXX, I again connected with the Citi XXXX ( XXXX XXXX ) and narrate the entire incident to the executive. She gave the same comments and then I I asked her to transfer he call to the floor manager. The floor manager ( XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX team ) informed me that the account has been inactive for the last 1 years so the rewards get forfeited and the account gets closed. 

My question before closing my account, I was not updated by the Citibank through any email or mail. How can they close my account without my consent or without informing me and forfeit my rewards points. 

So I would request your support in this matter and highly appreciated your time. 

Thanks,

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I got an email over the weekend XXXX that I had negative on my credit report. I looked it up and southwest credit system said I owed XXXX. I called them this morning XXXX spoke with a lady and she said it's in collection for water bill. I advised I've never lived in XXXX. I've lived in XXXX for 38 years. My entire life. She said I needed to file a report and send copy and I'd to them. 

Also a company called convergent outsourcing is on my credit for XXXX out of XXXX. I've never lived there nor gave anyone permission to use my information. This is also on my credit My last 4 of s.s. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I asked Equifax to conduct an investigation regarding a unrecognized item on my credit report, as I found inaccurate, incomplete, and questionable items that was not 100 % reporting accurately. I sent Equifax a dispute letter XX/XX/22 in regards to the XXXXXXXX XXXX account, as well as various inaccuracies and incompletions that were reported. This account does not belong to me. They have failed to respond within a timely manner of 30 days. I am depressed that no response has been given, especially being that there are various credit reporting violations associated with this account. It is plainly stated in FCRA laws that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; 15 USC Section 611 ( a ). The credit bureaus are supposed to complete all investigations before the expiration of the period ; 15 USC Section 623 ( 9 ) ( b ) ( 2 ) ). It has exceeded well over 30 days, and this creditor will not comply with any form of response.

Company response to consumer: Closed with explanation