vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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: PA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-04 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: GA

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.

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 2024-03-04 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:
In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Accounts # XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX. 
Account number XXXXXXXXXXXXXXXXXXXXXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX All these accounts Has violates 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 consumer reporting agency can not furnish a account with out my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the Following of information any other adverse item of information, other then records of conviction of crimes which antedates the report by more then seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Have absolutely no idea why this continually keeps calling nonstop during business hours and after hours as well as weekends. I want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-04 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: CT

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal 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 non-monetary relief
Consumer complaint received 2024-03-04 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: CT

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal 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 non-monetary relief
Consumer complaint received 2024-03-04 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: MI

Complaint narrative:
In XXXX of XXXX I realized the payment amount per month for my IDR payment plan was too much, so I requested an extended graduated payment plan on XX/XX/XXXX on Mohela 's website. My account never updated as payments started back up in XXXX of XXXX. I have attempted twice more to request the extended graduated payment plan on XX/XX/XXXX and XX/XX/XXXX. 

I messaged Mohela on XX/XX/XXXX asking for my payment plan to be updated so that I could make my payments. Their reply on XX/XX/XXXX was " We apologize for any inconvenience this may have caused. Your account reflects that your loans are actively on the Income Contingent Repayment ( XXXX ) plan with monthly installments of {$600.00}. '' On XX/XX/XXXX I messaged again, since I had not received a reply from my first message at that time clarifying that " I have tried to change my payment plan to extended graduated for a payment of {$370.00} per month, but my account has not updated. Please put my loans on hold until that is able to be updated. Thank you ''. On XX/XX/XXXX they replied : " As of this writing, our records indicate that your account is currently 48 days delinquent with a past due amount of {$850.00}. Next payment is XX/XX/XXXX the amount is {$1400.00}. When an account is delinquent, phone calls and/or letters will continue until the account is current. '' In neither of their replies did they address the concern I was bringing to their attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-03-04 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I'm the executor for my sister who passed on XX/XX/XXXX. I have personally handed the death certificate, copy of the will, Power of Attorney ( when she was still alive ) and all other Wells Fargo forms they requested by them. Each time I gave them what they requested they would hand me another form to complete. Did not give me all the forms at once. This happened several times during the month of XXXX. It started to get worse when I had my last conversation with XXXX XXXX on XXXX / XXXX XXXX. I had made XXXX trips to the W F office, dropping of documents, prior to her death. When I was on the phone with him telling him if my sisters passing, and asking for some information, he chuckled and said that he could not deal with me anymore only the Beneficiaries. He said paperwork that I submitted to this point was no good because of her passing.. I went off on him asking why he thought this was funny? Since then I have been trying to guide the Beneficiaries thru this process and have gotten no where to this day XX/XX/XXXX. Their office is about XXXX miles away from me. Anything that they gave me to fill out or needed I personally drove there and handed it to them. There are XXXX Beneficiaries and they use the U S mail as one is out of state and the other XXXX are in state. I also spoke to a XXXX XXXX, who is a branch Mgr there, and got no where. In short I was told they never received a death certificate, which I personally handed to them. Gave them a copy, which they said was ok, and last week was told it was no good. They said that they did not receive proper paperwork from XXXX of the Beneficiaries when both were mailed at the same time. Paperwork had to be redone and sent. Was told nothing could be done until all paperwork was completed together. Once that was done XXXX stated that she forgot another form that needed completion and that would be sent out but not until she came back as she was out of the office for period of time. XXXX stated also that she just got the " lost '' form from the beneficiary. This is going to be 5 months since my sisters passing and we are no where. This branch is demonstrating that they are unorganized and unprofessiinal. My feeling this is being done deliberately because of my last conversation with XXXX XXXX. I can't see any firm being run like this and be successful.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc.
State: MD

Complaint narrative:
The balance for my total card is incorrect for account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I took out cash advances ( XXXX XXXX ) along with had a 2 personal loans for {$1000.00} each that has since been paid off between XXXX XXXX XXXX. I realized the program was predatory and had not had any further transactions with them since this time. In XXXX XXXX I received an email saying my account was closed due to inactivity. In XXXX XXXX  I started receiving monthly charges to my savings account for {$9.00} as a " membership fee ''. I have disputed these transactions each month with my bank and requested a ACHstop payment. Moneylion continued to change their name and still pulls the money out. I have reached out to them Several times and they will not stop charging me, despite not having an active account or a way to sign in and access my account. I do not have the ability to log in and each time I try I get an error saying a password reset link was sent, but nothing ever comes through. I have repeatedly asked MoneyLion to cancel my account, yet I keep getting asked for my ID and a photo of me holding my ID, and they are also requesting a photo of my marriage license. They have also denied my photo pictures. So I'm still stuck paying for an account, that is supposedly closed, that I have not used Services for in a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 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: AE

Complaint narrative:
Greetings and Blessings from the XXXX XXXX XXXX. Per the FCRA as a federally protected consumer and child of XXXX. I am formally REVOKING, REMOVING and OPTING-OUT of any and all authorizations, I the consumer XXXX XXXX XXXX may have given XXXX XXXX, written, unwritten, verbal and nonverbal per 15 usc 6802. Account : XXXX, XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests and filing a FTC Fraud report. My demands as federally protected consumer have been ignored. Currently XXXX, XXXX, TRANSUNION, XXXX are in direct violation of my federally protected rights, by which I have numerous attempts of exercising my right to privacy and accurate data furnishing.

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 2024-03-04 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: AE

Complaint narrative:
Greetings and Blessings from the XXXX XXXX XXXX. Per the FCRA as a federally protected consumer and child of XXXX. I am formally REVOKING, REMOVING and OPTING-OUT of any and all authorizations, I the consumer XXXX XXXX XXXX may have given XXXX XXXX, written, unwritten, verbal and nonverbal per 15 usc 6802. Account : XXXX, XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests and filing a FTC Fraud report. My demands as federally protected consumer have been ignored. Currently XXXX, EQUIFAX, XXXX, XXXX are in direct violation of my federally protected rights, by which I have numerous attempts of exercising my right to privacy and accurate data furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: GA

Complaint narrative:
I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification. 

In accordance to the Fair Credit Reporting Conversion Account has violated my rights.

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an 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 non-monetary relief
Consumer complaint received 2024-03-04 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: CT

Complaint narrative:
I received a hard inquiry on my card report for a line of credit with XXXX XXXX that I didn't apply for. It was applied for by someone using my name and information but a different mailing address in a different state on XX/XX/2024.

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