vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. 
Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2024-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, I opened a HELOC with Citizens Bank in the amount of {$140000.00}. In XX/XX/XXXX, I paid off the HELOC in full, leaving a XXXX balance. I mistakenly believed that would close the loan. 

Unknown to me, as I wasnt tracking the XXXX-balance account, XXXX maintenance fees of {$50.00} each were charged in XX/XX/XXXX and in XX/XX/XXXX ( I believe, I no longer have access to the account files ). 

In XX/XX/XXXX, I was notified by mail that this HELOC was suspended because I had significant delinquencies, defaults, foreclosures or bankruptcies, none of which was true. Worse, Citizens Bank reported these delinquencies to all three credit bureaus. 

I tried to dispute the claim that the account was delinquent, and I paid the {$100.00} in fees. After confirming that my credit scores were annihilated, I opened a dispute with the bank, requesting them to look at the facts, and rescind their notification to the credit bureaus. I exhausted that process, and was told the case was closed. My credit score is now at or slightly above sub-prime, and will be for the next XXXX years, all for {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Solar Mosaic LLC
State: MI

Complaint narrative:
XXXX XXXX at Mosiac to me to file another complaint with your agency about the communication tactics and the ongoing discrimination. I feel this directive was also abusive since when I filed my last complaint they said you had no authority to oversee them. I continue to wait for the interactive good faith process within the XXXX. XXXX requested I file a complaint in every state and that no federal regulator over saw the company. I expect this was a ruse to abuse me further and make my XXXX worse. I spoke with their agents at XXXX XXXX who said no XXXX accommodation was put in place. XXXX said I was accommodated but never shared anything with me or how I could use the accommodation if it was there. XXXX told me XXXX was regulated by the XXXX XXXX XXXX which I dont think is true. I am making this complaint as a written record of my attempts at equal access within my abilities. XXXX at XXXX hung up on me telling me I had to have perfect memory he then hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I had closed this card back in XXXX of XXXX and I did Bankruptcy in XX/XX/XXXX. It took for ever for them to close the card on my XXXX report! Now XX/XX/XXXX they opened it back up on my XXXX report when it was closed and included in bankruptcy and it dropped my Score XXXX points! They are doing this deliberately!!!

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The following accounts XXXXXXXX XXXX XXXX - ACCOUNT NUMBER XXXXXXXX XXXX XXXX  - ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX  - ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX  - ACCOUNT NUMBER XXXX XXXX XXXX - - ACCOUNT NUMBER XXXX have been all DELETED from XXXX. The law say all credit Bureaus must report complete and accurate information. These accounts ARE NOT VALID AND should not still be reporting to Experian Or 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
In XXXX of XXXX, I used the self-serve online to set up an automatic bill pay for my mortgage with San Diego County Credit Union . It was an outside company and it was a difficult process. Took over three months, not a good system. I tried my home computer, my work computer, the library computer with no success. I finally was able to set it up via a phone. In the meantime, I accidentally signed up for something called bill pay at the SDCCU to pay this mortgage having tried everything. 
Three months later, they started charging me {$4.00} a month. I was not using this account due to extreme duress ( medical issues, XXXX, hospitalizations, XXXX  ). To simplify, I was using only one account. It was difficult to do much until I could have hand surgeries. I finally was able to sit down to consolidate accounts and the home loan changed hands so I had to resign up for auto pay. I noticed an unexpected charge! They had started charging me {$4.00} a month three months after I signed up for bill pay to pay my mortgage ( which was actually farmed out to an outside agency and not through SDCCU ). 

1. I did not receive a notification or warning that I would be billed due to inactivity. 
2. I did not want to enroll in this program, I was trying to sign up to pay mortgage. 
3. This is trickery, deceptive and an underhanded sneaky way to get patrons to pay fees. Think of signing out of XXXX and getting enrolled in XXXX. Same here. I was scolded when I spoke to the manager XXXX, for not checking my account. I had no reason to check it, I was not using it and was under medical treatment and family duress. Also had a family member with XXXX. 
4. XXXX said it is in the contract. I said it was in fine print and there was not notification or warning that I would be getting fees for inactivity for a program I did not want to be enrolled in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I do not have an account or any knowledge of XXXX XXXX XXXX, ACCT # XXXX, and it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This collection, by law, MUST be DELETED from my credit report immediately. 

I do not have an agreement or contract with this company, and am at will to sue. '

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 2024-03-05 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: AZ

Complaint narrative:
Requested XXXX XXXX to opt out from reporting to credit bureaus Per the FCRA as a federally protected consumer. 16 CFR 313.10 XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX, AZ XXXX Attached Opt out notice below

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 2024-03-05 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
EXPERIAN continues to report an account on my credit report that is from identity theft and fraudulent activity, which is a direct violation of the FCRA. The company XXXX has provided no information on why the account is under my name/social number. I have followed the dispute process with evidence that this is from identity theft, yet both companies refuse to take the proper action.

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 2024-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I received an American Express e-gift card from my employer on XX/XX/year> as a gift for my hard work with a generous balance of {$500.00}. After receiving the gift card I attempted to use a portion of the balance on a insurance payment. The card repeatedly declined so I decided to call the American Express customer support. The customer service representative informed me that I can not use the card for any " monthly payment '' type expenses and that the card is to be used to make purchases only. The support person told me I could use it to shop anywhere in store or online with it. So while I was on the phone I attempted to make an purchase online and the card was declined again. I asked the support rep why this was happening and if was entering billing information incorrectly ( I was filling it in with my personal information ) and she told me that " any store that asks for billing information will not be a store I can use the card at because the card is anonymous and can not be linked to billing information. '' The problem with this is that ALL STORES online ask for billing information these days and it is a requirement. If this was a Physical card, it would be easier to swipe at local stores and gas stations but with an e-gift card it is not possible to do that and billing information needs to be entered. I asked the support rep is there was a list of stores where this card would work since they advertise that the card is accepted and for use everywhere which is clear not true. The support rep told me there is not a list of stores and that I should just keep trying to use the card until I find a store that will accept it. I am very frustrated, after talking to the rep and receiving nearly no-assistance AND learning that their advertising of this card is completely false- I attempted to use the card to try to make a purchase at XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Purchase portal and ALL were declined. Additionally, Amex advertises that you can add the gift card to you apple wallet to make purchases that way and so I tried to add this gift card to my wallet and it rejects adding it every time. They also say you can use it to make purchases in store but I asked my local grocery store and gas station if they would accept an e-gift card and type it in and both said they could not do so. As far as I am concerned, American Express needs to make this right by providing me the {$500.00} I earned. Failure to do so in my eyes is proof that the company is committing fraud, and I am probably not the only victim to this e-gift card scheme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/2023 I applied online for an American Express XXXX XXXX and in order to take advantage of an XXXX Welcome Bonus offer. During the online application there was a pop-up that told me that did not qualify for a card and was not entitled the bonus points. I went no further with the application. Because I have good credit and have been a XXXX American Express customer , I then called American Express and spoke directly to an agent to apply for the card. The agent approved me for a credit card and confirmed over the phone that yes, I would be eligible for the XXXX XXXX and XXXX points as a welcome bonus by purchasing {$8000.00} on the card within 6 months. I accepted the card verbally under these terms. I met this purchase criteria but was not given the XXXX bonus. After inquiring via online chat, I was told that I was not going to get the bonus, and then asked that this be reviewed. Despite what I was told when I applied on the phone, they have refused to grant me the XXXX welcome bonus points. In subsequent conversations with various customer service representatives, they have denied that I was told on the phone I would receive the points, and they have refused to reference and listen to the conversation where I applied for the card and was told affirmatively that I was eligible to receive a welcome bonus. I would not have accepted the card had I not been directly told I would receive these bonus points. American Express customer service has been deceptive and evasive when asked why this phone conversation can not be referenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TX

Complaint narrative:
I am being ignored repeatedly. These inaccurate items on my credit report have caused me to be denied for an apartment for me and my kids. These items are now in litigation for violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: PA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX has violated my rights. Under 15 USC 1681 SECTION 602, states that I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2, states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any 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 2024-03-05 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: NY

Complaint narrative:
To whom it may concern I am making a formal complain due to the inconsistencies and the stress trying to manage our student loans has been. I don't want to place blame on Mohela solely because this has to do with the Department of Education as well. I have found many helpful reps at mohela but at times many inaccuracies. 
I received a letter today XX/XX/year>, dated XX/XX/year> my account was placed in an mandatory administrative forbearance, due to my yearly IDR renewal. 
I renew my plan XX/XX/XXXX XXXX, approved XX/XX/year> and scheduled to begging on XX/XX/year>. 
I had a bill for XX/XX/year> ready to be paid, once I was placed on this administrative forbearance due to processing IDR my due bill disappeared. I can't make any payments and is too late to generate a bill. 
Once I called, I spoke to a supervisor who stated this forbearance will count for XXXX once the Department of Education applies the XXXX review. 
The Department of Education states is Mohela that needs to apply the forbearances. 
I called today, just to see what response I got and was told, she didn't know. She couldn't say if it was going to be applied for XXXX or XXXX. Could not give me a straight answer, and I can't even pay because there is no bill. I mean come on!! we are trying here. Please help us. Attached is the letter received and the bill with no payments due for XXXX. 
Also attached are picture of the new XXXX rules, were it states mandatory forberances placed by servicer count for XXXX. It should be stated in your website. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
all chgs offs are no longer valid by statue of limitations

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
all chgs offs are no longer valid by statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, Equifax, and XXXX are all reporting my Public Record on a XXXX  XXXX bankruptcy. uscourts.gov states, " Bankruptcy courts do not report or provide information to any consumer credit reporting agencies. '' I have not given any written consent to XXXX, XXXX and/or Equifax to report this information on my reports. Nor do any of the credit reporting agencies have any permissible purposes to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX, XXXX, and Experian are all reporting my Public Record on a XXXX  XXXX bankruptcy. uscourts.gov states, " Bankruptcy courts do not report or provide information to any consumer credit reporting agencies. '' I have not given any written consent to XXXX, Experian and/or XXXX to report this information on my reports. Nor do any of the credit reporting agencies have any permissible purposes to do so.

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