vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-11-27 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: TX

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 2023-11-27 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: WI

Complaint narrative:
I called XXXX XXXX XX/XX/2023 and they could not find a credit card in the amount on my credit report. It is a fraudulent credit card someone took out in my name. The person on the phone told me to contact all the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2023-11-27 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: IN

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention an issue I have encountered with my student loan account. Currently enrolled in the Save plan, I was surprised to discover that I had been automatically signed up for deferment without my knowledge or consent. Despite being on the Save plan with a zero payment, I noticed that interest is accruing daily on my total loan amount. This situation is perplexing to me, as my understanding is that the Save plan should waive it once the scheduled payment is done. I urgently seek clarification on this matter, as the interest on my account has been steadily increasing. I previously called and spoke to Mohela staff, but unfortunately, their responses were contradictory. One representative mentioned that the increased interest is due to existing interest and that that is only happening on that, citing a figure of {$360.00}, while another suggested it was because of deferment, which I explicitly did not request. I requested to remove that, and she said it would be 5 to 7 days, but the other person said 30 to 45 days. I find it alarming that the interest has risen from XXXX to XXXX in just one month, a rate that seems implausible even with a 10 percent interest rate ( my interest rate is 5.05 % ). I am concerned and would like to request an explanation for this discrepancy. Furthermore, despite my attempts to address this issue through phone calls again, I have been unsuccessful in reaching Mohela customer service. After being on hold for an hour, I was unable to connect with a representative. I request their prompt attention to this matter, an explanation for the unexpected deferment, and clarification on the daily interest accrual. I would also like to be answered in written format, as the customer service staff gave me misinformation. Additionally, I would appreciate your assistance in waiving the accrued interest, as I did not request nor authorize the deferment. Thank you for your immediate attention to this urgent matter. I look forward to your prompt response and resolution. Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It has come to my attention that my previously filed complaint was closed without providing a satisfactory resolution. 

-- -- -TransUnion 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 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 2023-11-27 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: LA

Complaint narrative:
I have 3 different credit scores for each Bureau.Im a victim of identity theft.

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 2023-11-27 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: SC

Complaint narrative:
I am a XXXX XXXX XXXX XXXX, and I have been asking for help to discharge this account since 2016. I was trying to keep up with payments on the account, until I figured out the proper way to discharge it, but I just fell behind in the account. After taking a deeper dive, I realized due to 20 U.S. Code 1232g, this account should've never existed or shown up on my credit report ... as, No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. 
What makes matters worse is they have slandered me to the credit bureaus and they did not have my written permission in order to do so ( 15 U.S. Code 1681b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: HI

Complaint narrative:
I was a victim of the XXXX and Transunion Data Breach. I want these items Deleted from my Credit Reports. As you can se, the CAPB actually deleted because i was a victim of this Data Breach.

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 2023-11-27 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I was a Target RedCard member since XX/XX/XXXX and always paid my bill on time, in excess of the minimum payment. In XX/XX/XXXX, RedCard returned my XX/XX/XXXX payment of {$26.00} and the reason given was " Payment Reversal - Backdate ''. A notification was mailed to my husbands new address. He is XXXX XXXX XXXX than me, and I received it way after. As a result, for six weeks I thought my RedCard account was paid in full. During this time, RedCard Services reported my account delinquent, reduced my credit limit from {$500.00} to {$200.00}, and sent notice to my husband 's new address. Based only on Target 's report, two more creditors reduced my credit limits, which in turn reduced my overall debt-to-credit ratio and reduced my credit score by more than 100 points overnight. 

I contacted RedCard Services in XX/XX/XXXX to update with my new address, when I learned of the late payment, the reduction in credit, and the delinquent payment reported to the credit bureaus. RedCard refused to accept responsibility for anything or remove the hit from my credit report. I was told I am responsible for the address update, and if not me, the post office, but not Target. I changed my address with Target RedCard and the post office in XX/XX/XXXX when I moved. Red Card told me that it understood I didn't like the decision, but it was not going to change. I was then told I was arguing with the guy responsible for reporting to the credit bureaus. I asked him to repeat what he said, and I asked what he meant, but he hung up. 

I am extremely disappointed with Target RedCard Services. As a result of their actions, my credit rating has been hit hard. I am no longer able to get the home financing I hoped for. Corporate America steps all over the little guy and does not care because I earn less than {$30000.00} annually. Shame on Target RedCard Services. I will never recommend Target RedCard or Target to anyone. Please share this with anyone wanting to shop at Target for Christmas. Help me fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I contacted XXXX via XXXX XXXX mail and Fax. XXXX claims its been verified the XXXX XXXX  on my public record as Accurate and True. They cant verify as such. I have a letter directly from the XXXX XXXX  Bankruptcy Court saying they report to NO ONE!! XXXX is simply a third party company that pulls public record through poor outdated electronic means. XXXX!! They have XXXX interaction with the court. Ive asked XXXX for proof for 2 years!! I want legit documents, emails or postal mail. XXXX can not produce evidence that they have been in direct contact with the XXXX Bankruptcy Court regarding my XXXX XXXX. Since they are liars I want the public record removed from all credit score companies. They so easily slapped it on my report by getting this garbage from pacer. There are many discrepancies none of which they could possibly verify. I have a letter from the federal court. They are committing a crime.

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 2023-11-27 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: SC

Complaint narrative:
I contacted XXXX via XXXX XXXX mail and Fax. XXXX claims its been verified the XXXX XXXX on my public record as XXXX and XXXX. They cant verify as such. I have a letter directly from the XXXX XXXXXXXX Bankruptcy XXXX saying they report to NO ONE!! XXXX is simply a third party company that pulls public record through poor outdated electronic means. XXXX!! They have XXXX interaction with the court. Ive asked XXXX for proof for 2 years!! I want legit documents, emails or postal mail. XXXX can not produce evidence that they have been in direct contact with the XXXX  Bankruptcy XXXX regarding my XXXX XXXX. Since they are liars I want the public record removed from all credit score companies. They so easily slapped it on my report by getting this garbage from pacer. There are many discrepancies none of which they could possibly verify. I have a letter from the federal court. They are committing a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX ( XXXX ) I logged into nelnet to check that my autopay had functioned correctly. I saw that I had no autopay scheduled ( even though I did ) and my payment was marked as late. In a panic I made a manual payment, but no harm done at this point. Today ( XX/XX/XXXX ) I checked my bank account to see XXXX payments made to nelnet. 

Their autopay system is a joke, and who knows how many countless people they are putting in financial harm with double or more payments. I am currently going on hour 4 of being on hold with no end in sight. A quick XXXX search shows me I am not the only person with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a checking account and savings account with Bank of America. Starting XXXX and continuing into XXXX, I was conned out of {$1600.00} in an elaborate gift card scam. Bank of America could see large sums coming out of my checking account for XXXX gift cards and could see these purchases were draining the {$600.00} I had in my checking account and then causing the account to overdraft. Instead of its fraud unit getting alerted to the situation, and instead of letting my checking count overdraw and start rejecting purchases due to insufficient funds, without my knowledge or consent, Bank of America transferred the {$1000.00} I had in my savings account, out of that account and into my checking account where, once there, the con artists defrauded me out of that {$1000.00}. If Bank of America had NOT made that transfer, I would have only lost {$600.00} instead of {$1600.00}.

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 2023-11-27 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: PA

Complaint narrative:
Equifax has reported that I owe a collection agency XXXX XXXX They have creditor blank, payment history blank, balance update blank. I was provided with no contract binding me to an unknown company. Equifax need to Remove info off my credit report by law. This account is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/24 I was guiding to a website XXXX XXXX XXXX from a XXXX XXXX for marketing for animal lamps. I purchased 3 animal lamps using the website and my CashApp visa issued card at that time. After the charge was made I never received a confirmation email or number regarding this issue. I reached out to support listed as XXXX to get my confirmation number and details for shipping. I was told that as soon as the product ships from the warehouse I would be updated with the confirmation number and order shipping details. This continued for XXXX weeks. In the meantime others had also realized the avid scam and were beginning to tell their stories and the need to dispute with their financial institutions. So after week XXXX of no information or communication I asked for my order to be cancelled. I was advised that 'monies would return to the card on file '. There still was no confirmation or cancellation email with card numbers or a product that was ever shipped to me. This was an avid scam that only stole monies from me and is pretty clear to see. 

I have submitted 2 disputes including emails sent from this scam and XXXXXXXX XXXX or cash app continues to deny my disputes without giving any valid reason for not honoring a chargeback as this is a scam. Upon sending a documentation they detail that the case number is closed and there is no support for this issue any further. Upon submitting a dispute cash app also threatens to shut down a members account. The company will not dispute this scam and will not follow through with compliance on FDIC insured products, the dispute process and the explanation of reasons that it was denied. I have tried to escalate the issue and yet continue to receive no new understanding for this problem. The institution should protect me from scams, fraud and stolen monies with a visa backed card however they are not in compliance to my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: AZ

Complaint narrative:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 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, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

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 if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation