vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I first disputed the bankruptcy being inaccurately reported on my credit report with Equifax on XX/XX/XXXX. The response that they sent me was that I was not specific when I disputed the information and that it was verified through a third party who is XXXX XXXX. I then disputed it again on XX/XX/XXXX and was completed on XX/XX/XXXX and I provided proof that the bankruptcy has been removed from my XXXX XXXXXXXX report and I was more specific on this dispute than the one I submitted on XX/XX/XXXX. When I seen that the dispute was completed I contacted Equifax. The 1st agent I spoke with told me that the bankruptcy was verified again and I asked what is the verification process and he explained to me that the court where I filed provided them with the information. I stated to the agent that they didn't because I have a letter from the court stating that they do not report to credit bureaus, but the agent insisted that the court reported it to Equifax. I spoke to another agent and he explained the same thing that it comes from the court and they report it to them. I then spoke to someone in consumer affairs and the lady explained that their information in regards to bankruptcies come from XXXX XXXX and if it is removed from their then it would be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NC

Complaint narrative:
I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: MD

Complaint narrative:
My servicer MOHELA incorrectly calculated my monthly payments, and is still billing me an incorrect amount. Prior to Covid my payment under REPAYE plan was around {$720.00}. At the end of the initial payment pause in XXXX I should have been automatically put on the SAVE plan, which should have reduced my bill. Instead MOHELA billed me for {$1200.00} monthly payment amount ( incorrectly calculated by them ), then they put me on an administrative forbearance ( without me doing anything or requesting this ), and then on XX/XX/XXXX I got a letter that my new SAVE payment was {$1000.00} ( also incorrectly calculated ). Finally on XXXX XXXX  I got a letter with the correctly calculated SAVE monthly payment of {$630.00}, but then the next day I got a bill for the previous incorrectly calculated amount of XXXX XXXXXXXX the bill is backdated to XXXX XXXX but it did not appear in my inbox nor did I get an email notification about it until XX/XX/XXXX. In addition to the incompetence of incorrectly calculating payments and billing for absurdly high amounts, they are impossible to contact and if you do speak to someone in their customer service department, they are unable to help. 

I have tried repeatedly to contact them, and only got through via phone one time and the agent was unable to help me resolve the issue. In addition I am on PSLF, so I don't want a month to not count towards my forgiveness due to MOHELA 's inability to do their jobs correctly. Per Department of Education, the months I was put on administrative forbearance by MOHELA should count towards PSLF, but my online account shows those months as ineligible as well, which is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Please see attachments and follow demands listed in attachments. 

To date, XXXX has NEVER validated the debt nor have they provided the requested information. The account in question was fraudulently opened and they are committing aggravated identity theft until they are able to prove otherwise. This company and the representatives of the company are predatory extortionists and I will pursue legal action within 15 day of receipt of this notice if the information requested is not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # 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 a account without my written instructions

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 2024-01-17 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: TN

Complaint narrative:
Experian slow-walks updates purposely. I contacted XXXX  on or about XX/XX/XXXX  to manually update my accounts to a {$0.00} balance as they were paid immediately after the reporting cycle ended AND I am in the process of purchasing a house ( lender requirements ) so all accounts need to be accurate to maintain a suitable credit score. On XX/XX/ XXXX submitted update requests to XXXX, XXXX, and Experian. On XX/XX/XXXX, XXXX and XXXX updated the accounts as requested however as of XX/XX/XXXX  XXXX has refused to update the accounts. Additionally, on XX/XX/XXXX  Experian updated the alerts section of my credit report to reflect that XXXX reported the balance as such on XX/XX/XXXX  - this is typical of Experian when balance disputes are lodged ; they do not investigate rather they simply restate what is already contained in the report from a historical position which is not the legal requirement when a dispute is lodged. I have seen this trend occur with disputes from Experian over the past three years.

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 2024-01-17 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: CT

Complaint narrative:
The 3 credit Agency reporting inaccurate on my credit report for my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account. XXXX, Equifax, XXXX reporting a Balance of {$940.00} my credit Limited in {$1000.00} This was paid sometime about of XX/XX/2023 Is {$200XXXX00} not {$940.00} like been reported. I call my bank and ask did the update My Balance to the 3 Credit Bureaus My bank say they Update my Account Immediately to all 3 Credit Bureaus. I have Document of my Ture Balance. The 3 Credit Is still reporting this Inaccurate which is Damage me my Credit. I beleive this is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

My Bank has Asured it was reported to the 3 Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-01-17 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: I.C. System, Inc.
State: CA

Complaint narrative:
I got a credit alert and upon checking my reports I saw an account that I do not owe and have no knowledge. The amount is {$89.00} on XX/XX/2024 form XXXX XXXX for XXXX. I am in 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 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NE

Complaint narrative:
Account got closed randomly. I have had the chime account for more than 3 years, same transactions never had problems until yesterday when it got closed randomly stating they found transactions not in line with their regulations but I did not have any illegal transactions of any kind. I have tried to get information about the closure/ how to get it reopened so I can receive my direct deposit from work. It is affecting my life and my bills because I have not done anything out of the regular on the account. I had a dispute which was legitimate that was pending also on the account. I had no help from them whatsoever, they just kept stating the same information over and over again like a robot and did not give me any solutions and gave me misleading information as their " supervisors '' give different information when talking to them. Since I have to change direct deposits for work and banks it will delated me getting payed a month which heavily impacts my bills and way of life. A very shady and sketchy company who did no help me at all even though I know i did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Unable to attain information regarding two of the three accounts which is listed on my Bank statements one of which has been confirmed by the Social Security Administration the Other two listed as XXXX XXXX XXXX  with different Account Numbers which I have reason to believe may have something to to with Former Employment one which always end in XXXX and the other 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It has been almost 2 months since I originally disputed information on my credit report. I have not received notice of investigation, notice of dispute, or any update to my credit report. Information is inaccurate and needs to be removed from my report. Representatives tell me they will get to my request but nothing happens. This isa direc violation of 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 non-monetary relief
Consumer complaint received 2024-01-17 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: MD

Complaint narrative:
It has been almost 2 months since I originally disputed information on my credit report. I have not received notice of investigation, notice of dispute, or any update to my credit report. Information is inaccurate and needs to be removed from my report. Representatives tell me they will get to my request but nothing happens. This isa direc violation of 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 2024-01-17 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:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XX/XX/XXXXXXXX XXXX XXXX XXXX BALANCE {$650.00} Reported XX/XX/XXXX XXXX XXXX XXXX  BALANCE {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
As a whole my credit profile Is severely incorrect across all 3 bureaus yet they do not even remotely match across the three. I have filed any disputes only to get the same computer generated messages of verified that can not be true because the information is incorrect. Even my basic information such as credit age is incorrect, one says 1 year another says 5 when I have had credit since XXXX some of my precious accounts are even listed but still do not reflect in the age. I do not honestly know what to do, this is less of a complaint but more a lack of knowing what to do as nothing I have done seems to have any effect. it's killing me financially

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 2024-01-17 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: NY

Complaint narrative:
I have been back and forth with Transunion and XXXX on these inquiries I have not apply at these places and all the want to do is sell me a service I need the following removed from my report. 

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 Please I have been at this for sometime. And this can't be factual data if it's not facts I never applied at these places.

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 2024-01-17 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: IN

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Please see attached letter and fill it out entirely and have your correspondence attached as your response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank Of America Compliant XXXX XXXX Subject : Compliant Debit on my account of unknown charges. 


On XX/XX/XXXX XXXX XXXX I received a debit on my account in the amount of {$380.00} and {$120.00}. These transactions were entered by a person unknown to me. I called the customer service department to investigate the source and the reason for the transaction. This proved to be futile and a complete waste of time. I then went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And spoke to XXXX XXXX, relationship manager. This person viewed my account to locate the source of the transaction and identify who was responsible. After much investigation, this too was pointless and was told that I would have to contact the customer service department for a response. At this point, I am completely disgusted by your poor service and the abuse of my account and money. 

XXXX XXXX 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 monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank sent me an email indicating a " recent review '' of my credit report made them decrease my credit limit from XXXX to XXXX, only leaving me with XXXX available credit and then they would be able to charge " over the limit '' fees. I called to submit a dispute and was only told to check XXXX. I have always paid my bills on time and no specific reason for the reduction. My credit report does NOT have any derogatory marks, such as collections, judgments, or bankruptcy. I have never been late on the payments to CitiBank. I do not believe their decision was fair and I have never filed for bankruptcy and my payment history over two years has NO late payments. NO derogatory marks. In fact, last year they increased my credit limit. And then today this happens with no warning. It was reduced just enough to make it easier for them to charge " fees '' for being over the limit and report that to credit bureaus. 
I also have a mortgage and personal loan reporting as current as well. My utilization is being worked on. But that does not justify this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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:
Regardless of the multiple written requests, the unverified accounts listed below I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : 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 2024-01-17 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: IN

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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