vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 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: MI

Complaint narrative:
Dear Equifax To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DFCUFINANC Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete 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 2023-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
My brother passed away on XXXX XXXX. I am the Executor of his estate which is insolvent. He had a BMW with a loan on it from BMW Finance. He owed less than the car is worth based on XXXX so that was positive. However, my estate lawyer told me I should not pay creditor bills like the BMW loan out of creditor order. His estate only had enough money to pay for his funeral, the estate lawyer and some of his taxes. So I didn't make loan payments to BMW Finance out of the estate. 

On XX/XX/XXXX of XXXX a tow truck showed up at his widow 's home and repossessed the car. I called BMW Finance to see what could be done and they told me not to worry that they will use a local dealer to sell the car at market value and send the estate the proceeds that are badly needed. I was relieved. Now it has been five months and the car has not been sold. BMW Finance said it is sitting at the XXXX XXXX and they have no date set to auction off the car. Meanwhile, I can't pay the bill or resolve his estate and meanwhile the value of the car is declining with age. BMW Finance has been completely unresponsive in terms of their plans and the need to sell this car. Nobody cares. My brother 's widow could use this money to pay their back taxes so I am letting her down as Executor of the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX XXXX am of XXXX XXXX, XXXX hands, and XXXX mind. I XXXX XXXX XXXX XXXX XXXX XXXX am a Private XXXX National/State Citizen and Power of Attorney in Fact of the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX I am entitled to an Article XXXX XXXX, XXXX XXXX, and XXXX. I am Entitled to Full Faith and Credit on the State and Federal Levels, Officially. My Full Faith and Credit document ( XXXX ) are attached. I am entitled to Full settlement and closure in a XXXX of XXXX if necessary in this commercial matter. My security interest is Non-Transferable, retained, and claimed. See attached XXXX ( XXXX ) and document ( 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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is XX/XX/. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: VA

Complaint narrative:
I submitted my application to the XXXX program in XXXX via XXXX XXXX XXXX, well ahead of the loan payment restart. However, my loan servicer ( Edfinancial ) has alleged that they never received the information. As a result, I resubmitted my application directly with them on XX/XX/XXXX and they informed me of my new payment amount verbally. Moreover, they were in the midst of a system change during this period. Since then, I have been diligently reaching out to them, requesting a letter to confirm my new, lower loan payments. 
Regrettably, they have informed me that the letter can only be generated once the information is processed. Given that my home closing is scheduled for this week ( XX/XX/07 ), it is imperative that this issued gets resolved and I expressed the urgency of the matter. Despite speaking with a supervisor last week, who assured me they would expedite the process as an emergency, I have yet to receive any letter or email. If I do not receive the letter confirming the lower payments by tomorrow ( XXXX ), my home closing will be jeopardized. I urgently need an official email/letter from my education loan servicer, stating the new estimated payment amount. 
Attached below are the original correspondence I received from Federal Student Aid in XXXX, as well as the notification from Edfinancial regarding their system change and an email from Edfinancial acknowledging receipt of my XXXX application ( that they claim they didn't receive ). Thank you in advance for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: TX

Complaint narrative:
Request for Immediate Deletion of Illegally Sold Information Due to Equifax XXXX XXXX I am formally requesting the immediate deletion of specific accounts and items from my credit report. As a victim of the Equifax data breach, my personal information was unlawfully sold and purchased. I am attaching evidence confirming Equifax 's acknowledgment of my status as a victim of this data breach. 

In light of this breach and Equifax 's failure to take appropriate action, I request the removal of the associated accounts and items from my credit report effective immediately. Your prompt attention to this matter is appreciated. 
I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the XXXX XXXX therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: MO

Complaint narrative:
XXXX, Equifax and XXXX are reporting lots of inquiries and negative accounts on my consumer report that i did not authorize or give permission to furnish on my consumer report i have not benefited from neither inquirie yet they put it on my consumer report causing damage to my life according to the FCRA unauthorized must be removed immediately according to 15 USC 1681b ( a ) ( 2 ) they must have my written instructions to furnish a report on me also 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Dear CFPB Team, I hope this message finds you well. On XX/XX/, I experienced a scam resulting in an unauthorized {$150.00} transaction on my Wells Fargo debit card. Despite reporting it promptly and filing a claim, Wells Fargo declined my request for reimbursement, insisting that I consciously made the transaction, and no action was taken to try to get me money back. The call with Wells Fargo was made on XX/XX/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 2023-12-05 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: EdFinancial Services
State: MA

Complaint narrative:
I am receiving an NIH loan repayment award and a payment was made in XX/XX/2023, with checked cashed by EdFinancial early in XX/XX/2023. At the time the payment was made, EdFinancial was transferring to a new server, and all my information was " lost ''. The payments have not posted and I have been calling EdFinancial for several months to get a proof of payment as well as an updated loan information and I have not received anything. I am continually being told ( after escalating to speak with Supervisor ) that my request is being expedited or in high priority but I am getting nowhere. I am not in danger of LOSING my award, and I can not get any further information about these payments from EdFinancial. The two payments are total for {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF OFF XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-12-05 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: PA

Complaint narrative:
My loans were transferred to MOHELA in XXXX, and since then there have been myriad concerns with how they have handled the PSLF process. On XX/XX/XXXX, I submitted an XXXX for an employer from late XXXX through early XXXX. That is still being processed ( it was labeled a duplicate though I had resubmitted this because there was an error on the original form ) and those have yet to be certified. On or about XX/XX/XXXX, I had a phone conversation with a MOHELA agent about those same payments, and was told that they would qualify and that she was going to adjust things on the backend to make sure that they counted. That has yet to happen, and those payments would have put me significantly over the 120 required payments. 

In any event, I had submitted an ECF from my current employer on XX/XX/XXXX of this year, and those payments would have allowed me to reach 120 payments even without the aforementioned payments that have yet to be counted. I also indicated that I wanted a forbearance while these were processed. Despite this, my account was debited in early XXXX, and despite additional written requests ( and a phone request on XX/XX/XXXX ), my account was once again debited this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo send my information to a XXXX party and I paid the XXXX party with a tender negotiable instrument. Wells Fargo contacted me and said they contacted the company about my negotiable instrument and Wells Fargo told me the company said they didnt receive it. I provided the tracking number for Wells Fargo of my negotiable instrument I sent to the company. Wells Fargo should not have sent my information to any XXXX party without my consent. I did not give them promotion to send my information to anyone. Also Wells Fargo said my account was charged off.

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 2023-12-05 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: IL

Complaint narrative:
TransUnion is reporting fraudulent hard inquiries on my credit report, I have not authorized these hard inquiries, I request an investigation to be made about these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
On XX/XX/2023, I was the victim of a scamming incident through XXXX. I immediately called my bank to advise what had happened, and they opened a fraud investigation. I lost {$1600.00}. I never received any update on the outcome of the fraud investigation, and they refused to reimburse the money that was lost through the XXXX scam. I filed a police report as well. I was told by a personal banker that I would be receiving correspondence regarding the outcome of the fraud investigation, but it has been almost a month, and I haven't received anything. I have been a customer of this bank for over a decade, and the fact that they refused to cover the amount that I was scammed out of ( {$1600.00} ) and not treating me like the victim of the crime that I was was deeply disappointing. We are a family with one income and a child. Losing that kind of money was deeply upsetting for us and effected us greatly on our ability to pay our bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
RE : Account XXXX Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX of XXXX. This account and debt should have been ceased as of XXXX of XXXXXXXX 

Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. 

Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. 

Any abuse to my credit rating on your part will be met with all recourse available to me. 

I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. 

I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you may do the right thing. 

I have no intention of renewing the expired statute of limitations, so please stop wasting your time contacting me. 

I expect this will be the last time I hear from you, and I expect the following account to be deleted from my credit report within 7 days NATIONAL CREDIT SYSTEM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: NC

Complaint narrative:
This complaint is for Nation Service Bureau or NSB. I was contact by phone first. The woman stated that I had an unpaid claim with StateFarm insurance from an accident I was in earlier this year. I called back to get information and the call was not returned. I got a letter in the mail next with claim information stating I owed XXXX for a subrogation claim. I called the number on the letter and the woman harassed me and threatened to suspend my license if I didnt pay her for the claim. She read off information from the police report that is part of public record. I contact XXXX and they confirmed there are no open claims under my name. I even contacted my insurance company ( XXXX ) to ensure there was no balance on their end.

Company response to consumer: Closed with explanation