vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 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: PR

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These informations is incorrect XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect 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 2023-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
Good Day I hope this letter finds you well. I am writing to request your attention in addressing a late payment that was reported to the credit bureaus by Truist Bank. The late payment occurred on or around XX/XX/2023 and was associated with my account, Lightstream Account XXXX. I understand the importance of maintaining a positive credit history and am committed to rectifying this matter by speaking with you. 

I would like to reference my previous communication and fully respect your commitment to ensuring your customers are fully understood. This was an isolated incident which was not my fault but it seems that all communication till this point has not experienced the expected empathic touch, especially in a business that deals with customers daily. 

I am reaching out to request a goodwill gesture from Truist Bank to have the late payment removed from my credit report as a current good-standing customer. It has to mean something to XXXX that there was an issue with the system somewhere that caused this isolated incident. Does this error by your system mandate a total destruction of my credit profile even as my account is being debited monthly? 

I kindly ask for your consideration in granting this request. The removal of this late payment from my credit report would greatly benefit my financial standing and provide me with an opportunity to rebuild my credit history. 

I kindly request that you review my account and, if possible, initiate the process to remove the late payment entry from my credit report. Your assistance in this matter would be greatly appreciated. 

Please feel free to contact me at XXXX or XXXX if you require any additional information or if you need to discuss this request further. 

Thank you for your attention to this matter, and I look forward to a positive resolution. 

I really look forward to speaking with you sometime soon. 

Sincerely, 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 2023-11-02 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: CO

Complaint narrative:
XXXX has reached out about the inquiries. Experian has not updated the report to reflect the correct information. XXXX said the inquiries should be soft not hard inquiries. 
I spoke to a XXXX representative today regarding the last CFPB complaint. The bureaus continued to report the wrong information on purpose.

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 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial
State: SC

Complaint narrative:
Random companies call me all day long trying to connect debt that I do not owe or know anyone else that does owe any

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I opened a XXXX XXXX account on XX/XX/2012. The account is now XXXX XXXX XXXX and by law it should have been removed from my credit report. I request that this item be removed from my XXXX, XXXX and Equifax credit reports. 

Every time I dispute this account XXXX updates my account to a current date and they keep doing this to illegally keep this XXXX year debt on my credit report even though I have made no action on this account in years other than trying to dispute it. 

I want it removed asap or I will take legal action with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
XX/XX/2023 I applied for a credit card using my name birthday, social security number and my autograph which is a blank endorsement. using usaa federal savings bank mobile app I submitted my application/note and was denied credit. I called to inquire about the denial and was told that there decision did not go against the ecoa and there was no remedy for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLIANT CREDIT UNION
State: LA

Complaint narrative:
( ORIGINAL COMPLAINT ) Alliant Credit UNION : Account # XXXX. Alliant Credit Union engaged in deceptive practices when I deposited money to make a credit card payment into their financial institution and received a receipt. Alliant however, decided despite the payment receipt and me depositing the money for the purpose of the credit card payment, that they would apply this payment to another account. This in turned caused a late payment on this account. In subsequent phone conversations, Alliant representatives assured me that this would be corrected. It has not, and as such, I am demanding that this missed payment be removed. I have attached a bank statement showing the deposit made into the account. The day after a deposit was made to the cc, the financial institution transferred the money to two separate loans. NONE of the accounts were more than 30 days. The institution caused the late payment. I have attached both my bank & credit card statements ( highlighted ) with the deposit made & paid. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

( FOLLOW-UP ) The company has not corrected the issues to date, even after sending a letter stating that they would. I have called for months to no avail. The responsible department does not call or follow-up. The representatives state that the department only responds to emails and does not take calls. Well, they do not return internal email requests or calls either. This is an unfair practice to consumers! This negatively impacts consumer credit reports and time. I am attaching the letter received from the credit union. I would like my report to be corrected and Alliant investigated for deceptive practices and for violations of federal law. Regulatory action should be taken against them! XX/XX/2022 spoke with XXXX w/Alliant, she stated that she is filing a complaint and submitting to her supervisor, but nothing is done!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: CA

Complaint narrative:
Unauthorized inquiries need to be deleted and removed from my consumer reports XXXX : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized inquiries need to be deleted and removed from my consumer reports XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: GA

Complaint narrative:
I searched my information for the equifax data breach and it became known to my attention that i was involved in the data breach. i filled the data breach information out and i will attach it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- -XXXX  XXXX -- - XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX -- -- -XXXX -- -- - XXXX XXXX XXXX 
XXXX -- -- -Equifax -- XXXX - XXXX XXXX XXXX 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: NY

Complaint narrative:
I called all 3 reporting agencies XXXX, XXXX and Equifax!! 
I told them I lost my wallet and sent Police reports!!! 
They have not removed XXXX XXXX  from the account and history!! 
Creditors respond to me, Stated that they see XXXX XXXX  name on all 3 major credit reporting agencies, credit report even while they telling me they are not there!!!! 
This is unfair to tell me deceiving lies and destroy my credit report when I have sent the police report to all 3 reporting agencies!!!!

Proof of unauthorized use and I lost my wallet and not one of these banks closed the account and issued me an another card with my refund Stated by FDIC LAWS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MD

Complaint narrative:
My student loans were transferred to Mohela from XXXX as part of my public service loan forgiveness. The loans were successfully transferred but upon transfer resulted in duplicate reports on my credit report. The same loans appear on my credit report for both XXXX and Mohela. Essentially doubling the debt owed. Dispute was opened with XXXX but was not settled satisfactorily. XXXX account shows balance as XXXX however they continue to report the prior balance to the credit bureaus. Loans have long been transferred to Mohela and forgiven and still appear. Dispute did not result in accurate reporting. XXXX was provided statement showing XXXX balance and dept of education statement reflecting XXXX. XXXX provided outdated information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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:
My student loans were transferred to XXXX from XXXX as part of my public service loan forgiveness. The loans were successfully transferred but upon transfer resulted in duplicate reports on my credit report. The same loans appear on my credit report for both XXXX and XXXX. Essentially doubling the debt owed. Dispute was opened with Experian but was not settled satisfactorily. XXXX account shows balance as XXXX however they continue to report the prior balance to the credit bureaus. Loans have long been transferred to XXXX and forgiven and still appear. Dispute did not result in accurate reporting. Experian was provided statement showing XXXX balance and dept of education statement reflecting XXXX. XXXX provided outdated information.

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 2023-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: OR

Complaint narrative:
we moved cross country and my online login uses my old phone number [ landline ] for two part verification so I was unable to access my A/C I called multiple times and identified myself with DOB/Mother 's maiden name etc etc. They wouldn't accept this to change the phone number for two part verification. They insisted I supply a notarized statement. I took their form to a local [ OR ] notary and sent it off to Discover No response after 3 weeks so I called in again only to be told no one has looked at my notarized statement.Called back several times and got the same response. Insisted that all I want is to close my A/C and be done with Discover Finally, got the respnse that my notarized statement is incomplete. Was told a supervisor would call me and no call was received.

The " incomplete '' issue may be the result of OR notary law requiring notaries to use their own form and NOT the form provided by Discover. All the same info is included.

Hilariously they have changed my mailing address based on my Postal change of address but will not acknowledge they have identified me.

I just want to close mt A/c and never have anything to do with Discover again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had an automated call, informing me that my credit limit was reduced. There was no way to reach a live person from that call and I was required to call back to a different number to reach a person. I had to speak to a supervisor before I was directed to a different department. The customer service person told me that they could not lower my interest rate but that someone in hardship could. When I spoke with someone in hardship, they said that they didnt do that sort of thing and that I needed to speak to someone in customer service. I explained to them that while Im trying to pay my credit card each time I make a payment that reduces my debt to them they reduce my credit limit which reduces my credit score again. Ive asked for consolidation loans and other options short of closing the accounts and each of my credit card companies Just says theres nothing they can do.

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 2023-11-02 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-02 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase has reached out about the inquiries. XXXX has not updated the report to reflect the correct information. Chase said the inquiries should be soft not hard inquiries.

I spoke to a Chase representative today regarding the last CFPB complaint. The bureaus continued to report the wrong information on purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My husband and I had to consolidate both my undergraduate, graduate and his graduate student loans in order to make our payments more manageable due to having young children and getting our paychecks once per month. We have loans dating back to XXXX and the loans were Stafford Subsidized/Unsubsidized. Then in XXXX, we had both completed our graduate degrees both while working in education and raising a family. At that time, we realized that our student loan payments would soon be due and they would be due and have to be paid to multiple companies at a higher monthly payment. This was not feasible with our financial situation. Even though we both worked, we had daycare costs as well as other expenses and teacher pay was/is not the best. 
This was a manageable payment for us and our little family. Nothing ever came up about not being eligible for anything due to us consolidating our loans. The push back then was that we'd be eligible for a certain percentage off the interest rate every so often if we paid our loans on time. There were a couple of times that we have been late on a payment and we were automatically kicked out of the 'program for percentage off the loan ' and had to start the cycle over to make 128 consecutive on time payments. Over 10 years is a long time to not have a slip up or not have loans paid off anyway. 

My husband and I are both in education and have a combined 43 years of service in public education and can not get any of our loans forgiven due to a spousal consolidation clause of our loans. In talking to multiple representatives at NelNet, we found out that after another company sold to them and then our student loans turned into a commercial loan rather than what was initially borrowed which were unsubsidized/subsidized loans this is where we were misled. 
We were never told of these changes, nor did we sign off or agree to these changes. I feel that this was deceitful and hinders us from getting the help that we need to try to get this debt paid off before we die. Otherwise we will be paying on these loans until we are long past retirement age. 
Our original debt was roughly {$100000.00} if memory serves me correctly and we are still coming in at a grand total of {$91000.00} as of today. If we could get a partial amount removed with each of us being granted our PSLF, that would help immensely. We have paid on these loans for close to 20 years and made little to no progress. 
We have done our due diligence and continued to pay and there is no end in sight with these loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

Company response to consumer: Closed with explanation