vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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:
Recently checking my credit report i notice that I've been a victim of identity theft and found numerous credit inquries I have no knowledge of here are the inquiries that I've found 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 XX/XX/XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well,

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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CO

Complaint narrative:
I recently got paid this day, I transferred XXXX to my account to get some food that day. I began to work and all of sudden around XXXX I get notification stating that XXXX dollars was withdrew from ATM. They completely wiped my account. I had my debit card with me and everything. Cash app told me it will take XXXX calendar days until I can get an answer on the dispute I made. I was also told they dont know if they will go in my favor or not. It is truly disheartening to know that money was to get my daughter and I food. Because somebody decided they needed the money more than I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX To follow up to Case # XXXX, I spoke with MOHELA on XX/XX/XXXX at XXXX for 11 mins 9 seconds instructing them to not consolidate. Then again on XX/XX/XXXX after consolidation went through ( on XX/XX/XXXX ) and was told it was being escalated to cancel it. Now, still not reversed back to XXXX XXXX XXXX XXXX XXXX ) and spoke to them again today at XXXX and they stated they saw it requested on XX/XX/XXXX and were going to have to escalate it again today. They say it can take 30 days, and I want this reversal done ASAP as again, I was assured by them it wasn't going to go through on my call on XX/XX/XXXX, then again on my call on XX/XX/XXXX ( even after being told it wasn't going to be consolidated from XXXX, then again had to have it escalated today while speaking to XXXX ( sp ) this morning. This is unacceptable and am filing complaints with other agencies as mentioned. 

This is seriously affecting my Credit Score in a NEGATIVE way and is costing me time, money and emotional distress for something that is being not acted upon XX/XX/XXXX XXXX XXXX The Runaround continues!!! Just spoke to XXXX at Mohela at XXXX, said they don't handle this, that I need to call XXXX  to get it resolved... Called XXXX today at XXXX and spoke to XXXX she says I have to call Mohela. This is insane!!! Nobody has the ability to answer questions. I'm talking to Studen " LOAN '' departments and they all say the same thing, that they aren't " too familiar '' how student loans work... How is someone supposed to get answers on things ( that the FEDERAL STUDENT AID DEPARTMENT ) XXXX XXXX when I keep getting bounced around with STUDENTAID.gov and MOHELA pointing the fingers at each other???? This XXXX XXXX is costing me money and personal stress. This isn't the way I'd expect the US Government to work, but I'm not surprised. You have failed on many levels, and this is a personal matter that is now being failed. Nobody wants to take accountability for their XXXX XXXX Complaints will be filed as I'm tired of being told to call the other place, and then calling that place to be told to call back to the other place ( MOHELA to XXXX to Mohela to XXXX to Mohela etc ... ... ... ) DO BETTER XX/XX/XXXX XXXX XXXX To further the mess, I was told by XXXX to file a complaint with MOHELA, so I go to MOHELA, click " Submit a Complaint '' under their website, and wouldn't you know, it takes me to the FEDERAL STUDENT AID website to submit the complaint .... So which is it, do I file a complaint with MOHELA ( which goes back to this website that I'm typing right now on ) or go to you folks?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: LA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Unauthorized Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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 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 2024-10-03 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: IL

Complaint narrative:
I am writing to formally express my deep concern regarding the unresolved disputed accounts on my credit report. Despite my repeated requests for thorough investigations into the inaccuracies I have identified, no corrective actions have been taken thus far. These erroneous entries are negatively impacting my credit file and significantly affecting my ability to manage my financial obligations and lead a normal life. 

The ongoing presence of these inaccuracies has created immense hardships, and I am left with no choice but to ask for your immediate assistance in resolving this matter. I kindly urge your organization to conduct a detailed review of each of the disputed accounts on my credit report and take the necessary steps to correct any errors without further delay. 

It is critical that the accuracy and integrity of my credit report be restored as soon as possible so that I can regain control over my financial health. I sincerely request that this matter be given your highest priority and that swift action is taken to rectify the situation. 

Thank you for your prompt attention to this urgent matter. I greatly appreciate your support and cooperation in resolving this issue.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Paramount GR Holdings, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, I arranged payment plans with GoodLeap and enrolled in autopay, with the assurance that payments of {$110.00} would be automatically withdrawn. However, last month, GoodLeap reported my account as late to the credit bureaus. Instead of honoring the autopay agreement, they repeatedly emailed me, requesting my zip code to process the monthly payment, which I had already set up as agreed. This is ridiculous! In XXXX they took 3 payments from my account, I had to file a complaint to have the 2 of the payments refunded. They sent a response which was a lie and there is no record of such filings. 

They lied and sent this to you which isn't the case and I need this issue resolved because they are incompetent. 


Dear XXXX XXXX, GoodLeap is in receipt of the complaint filed on XX/XX/XXXX, with the Consumer Financial Protection Bureau ( CFPB ), regarding your GoodLeap loan. In summary, you assert GoodLeap erroneously reported your loan as late to the Credit Reporting Agencies ( CRAs ) despite being enrolled in Autopay payments. Upon receipt of the complaint, your concerns were escalated to our Loan Servicing team for research. Please note, Autopay enrollment is disabled once a bankruptcy is filed as an automatic stay is sent to all creditors. Our records show you filed for XXXX XXXX XXXX  in XX/XX/XXXX. Our Loan Servicing team confirmed the XX/XX/XXXX payment was not received within thirty ( 30 ) days of the payment due date. Accordingly, the missed payment was appropriately reported to the CRAs. To clarify, you scheduled monthly, one-time payments in the amount of {$110.00}, from XX/XX/XXXX, through XX/XX/XXXX. This is a separate payment process from enrolling in Autopay selections. Upon further review, you attempted to enroll in Autopay on XX/XX/XXXX, but were unsuccessful due to the internal error code stating, Customer Advises Originator is Not Known to Receiver or not Authorized by Receiver to Debit Receiver 's Account. As of todays date, the account is still not enrolled in Autopay. However, your scheduled monthly payments remain active until XX/XX/XXXX. GoodLeap is unable to grant goodwill adjustments to credit reporting as we are required to accurately report loan payments to CRAs. For assistance with updating your payment information in the online payment portal or any other inquiries regarding future payments, please contact our Billing Department directly at XXXX, or via email at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted the TransUnion credit bureau to address unauthorized inquiries on my credit report and to validate my signature with the companies that claimed I AUTHORIZE THEM TO PULL MY 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 2024-10-03 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: CA

Complaint narrative:
I have my Public Student Loan Forgiveness loan administered through MOHELA. They are impossible. I submitted a deferment due to a medical issue ( as I do periodically with these loans ) - yet the balance was pulled from my account. I had my bank return those funds as they were not supposed to have been pulled. I started getting collections calls. 

I reached out to MOHELA and literally got no response. Well, I got a chain email explaining loan options that do not address my questions, concerns, nor request. 

I called but MOHELA has an hour wait time so Id love to get this resolved but MOHELA is unresponsive.

This is causing harm because my service provider is not providing service to this loan, resulting in collection calls ( which Ive never had before ), effects on my credit report, and most importantly, my ability to make future deferment requests. 


The real issue is : I have a service need, but the entity responsible for providing those services isnt responsive. At all. I have no means to address my issue. Meanwhile my credit and sleep suffer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
1. I attempted to make two transfers of money ( {$2000.00} each ) from XXXX XXXX XXXX XXXX to my XXXX XXXX savings account. Unfortunately, I must have set this up erroneously by grabbing American express rather than XXXX XXXX from the pull down menu. 

2. These two transfers occurred on XX/XX/2024 and XX/XX/2024. They do appear to have gone to the routing number of American express bank ( XXXX ). They did debit from my XXXX account. The account number may not be a legitimate account since it is the account number for my XXXX XXXX account. 

3. I have discussed this at length with both institutions. XXXX agrees that the money did debit from my account. American express states that they can not find any evidence that this money came to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This account is fraudulent. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i may presume that no proof of the alleged debt, nor therefore any such debt, in fact exsist. 

I have no recollection of a collection, charge off, etc. with 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 explanation
Consumer complaint received 2024-10-03 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 am bringing to your attention an issue regarding an account on my credit report that has been inaccurately verified as accurate. Despite providing supporting documentation, which I have attached, the information remains incorrect, and no corrective action has been taken.

This situation violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which obligates your agency to properly investigate and rectify any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-03 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: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-03 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: OR

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: OR

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-03 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation