vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
I was notified that I had a student loan in the amount of {$1600.00}. I did not receive a student loan in XXXX of XXXX. A check stub, receipt, evidence of a successful payment going through into my account, there is nothing that shows proof of a transaction between me or any bank to transfer and deposit what was not transferred nor deposited into any account I have or had. If there is proof please show me. I was homeless and working in a motel in XXXX  of XXXX. I had not received anymore loans knowing I was graduating in XXXX of XXXX  I had no reasoning to take out a last student loan. The information is inaccurate, false and ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: CT

Complaint narrative:
The creditor performed this inquiry without permission ; it is not authorized!

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: WA

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

2 ) Exclusions. the term consumer report DOES NOT INCLUDE ( Definition of exclusions : refer to things or individuals deliberately left out or not included in ) ( Definition of Include : The term include means to contain something or to make something part of a whole. It involves incorporating or considering someone or something as part of ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definition of consumer : an individual Definition of person : The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
They are reporting a transaction and an experience which Congress states is not INCLUDED in my CONSUMER REPORT Their opinion does not matter the U.S federal law is the law and it clearly states transactions and experiences are not INCLUDED in my consumer report.

Delete the account off all my consumer reports immediately. 15 U.S. Code 1681- Congressional findings and statement of purpose They should not be reporting negative information about me to a company which Congress says Assumed a vital role and has the ability to damage my mental and financial life. This causes me not to be able to move forward with my life which is not ( fair ) and credit reporting has to be fair to me the consumer! Either way transactions and experiences I had with them are not included in my consumer report. 
SELF FINANCIAL is in violation of the federal law. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( up to {$1000.00} ) U.S. Code 1611- Criminal liability for willful and knowing violation ( up to {$5000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: AR

Complaint narrative:
The XXXX XXXX account reporting on my consumer report is incorrect and needs to be removed. Every alleged account is reporting inaccurately and erroneously, which is grounds for removal under the direct violation of 15 USC 1681 ( Reporting incorrectly ). Please have them COMPLETELY REMOVE THE ACCOUNT because I have given them plenty of time to conduct a full and complete investigation on this inaccurate and erroneous account. Please don't just have them do it by eoscar ; my life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Furthermore, they didn't follow the proper 5-step validation procedure, making this an unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. I will attach all documents to this complaint. Companies have failed to investigate this account which is a violation of the FCRA AND FDCPA LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was in Walmart to make a purchase on XX/XX/23. I got into argument with cashier and I walked out without my groceries. I was still charged for said groceries. I filed charge dispute the same day with capital one. Capital one bank made a decision XX/XX/23 to deny my dispute and notified me to contact vendor, walmart. So I went to walmart XX/XX/23 to get video footage of myself walking out without groceries. Walmart told me on XX/XX/23 that is was impossible to replay footage from XX/XX/23 because that was too far in the past so I feel that is capital one is at fault they failed to resolve my dispute in a timely manner leaving me without recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2023 I sent a letter to Experian letting the company know that they are reporting inaccurate accounts on my consumer report. Experian refuse to remove these accounts and keeps saying that the accounts are Verified how can this be true when the company didn't provide any evidence to support there claim the following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have attached a pre- arbitration along with this complaint and my previous letter I sent to Experian on XX/XX/2023. I am getting really frustrated that my consumer rights keep getting violated. Experian is not following the FCRA the above accounts are a violation of 15 USC 1681e ( b ) everything must be XXXX percent accurate.

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 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have noticed that XXXX credit cards were open in my name without my permission or authorization. The person also was using a stolen bank account informatiand i'm now looking at possibly getting arrested for fraud and bank information stolen. My name is being slander. 
By the person who make account that was stolen. And they're trying to bring legal charges against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: MD

Complaint narrative:
My information was Sold and bought illegally because I was a victim of Equifax data breachI want these items deleted from my credit reports effective immediately I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax is done nothing please help me delete these illegal account for my credit reports list all those things and account number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: CT

Complaint narrative:
The creditor conducted this inquiry without proper authorization!

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 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I have attempted to cash or deposit some payroll checks from my employer. Some of the checks were older " stale '' checks. Some were ~ 6 months old ; others were older. I have run into this problem a few times with Bank of America! The payroll checks are drawn from " their '' bank, which my employer utilizes for payroll payments. I ran into this problem yet again today, at XXXX XXXX, XXXX B of A branch. As an aside, the teller may be the same one that was a problem w/ me on an earlier visit, though not fully certain presently. 
Also, there is NO expiration date or Void if cashed by __/__/____ on the payroll checks. I was forced to return the payroll checks to my employer and requested ere-issuance or else do Direct Deposit payments. 

Also, another payroll check had a " hold '' put upon it. I am unsure if that " hold '' was taken off and removed or not. I am looking into this again. 

I am < pleased and < satisfied with some branches of B of A. Some branches seem OK.

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 2023-12-02 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: OK

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED 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 explanation
Consumer complaint received 2023-12-02 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I Disputed a XXXX that was Reported on my XXXX XXXX back in XX/XX/2023. The Credit Bureau did their XXXX and removed the Account on XX/XX/2023. As of XX/XX/2023 it has reappeared back on my Credit Profile Damaging my Credit. I printed off Proof that the Account was removed. Could you please help me with this, it is Hindering me. I will also reach back out to the Credit Reporting Agencies to see if this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Yesterday, XX/XX/XXXXXXXX XXXX XXXX at XXXXXXXX XXXX, I received a call from Bank of America. And later I listened the voicemail. The voicemail record said the speaker was XXXX XXXX asked me to call her. Since I received another so-called from another XXXX ' in voicemail said XXXX. Both call came from same number XXXX. Even though I did not listen again XXXX voicemails, I remember the voices were different, disgustingly. XXXX of XX/XX/XXXX asked me to call back XXXX for the claim number XXXX. Since it does not make sense, why I need to call back number XXXX, which I made claim often, from the phone number XXXX which is not XXXX number of Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
XXXX - XXXX  XXXX XXXX XX/XX/XXXX was reported 60 past due, XX/XX/XXXX was reported 90 days past due, and XX/XX/XXXX reported XXXX past due. This does not correspond with the dates reported in XXXX and TRANSUNION, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX -30 days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. 

XXXX : XXXX states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX 30 day past due, XXXX XXXX  60 days past due. and then XXXX XXXX, 30 days past due.

TRANSUNION : TRANSUNION shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. TRANSUNION shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. 

Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.

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 2023-12-02 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:
XXXX - XXXX EQUIFAX : XX/XX/XXXX was reported 60 past due, XX/XX/XXXX was reported 90 days past due, and XX/XX/XXXX reported 60 past due. This does not correspond with the dates reported in XXXX and XXXX, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX -30 days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. 

XXXX : XXXX states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX 30 days past due. 

XXXX : XXXX shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. XXXX shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. 

Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
XXXX - XXXX XXXX XXXX XX/XX/XXXX was reported 60 past due, XX/XX/XXXX was reported 90 days past due, and XX/XX/XXXX reported 60 past due. This does not correspond with the dates reported in EXPERIAN and XXXX, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX -30 days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect.

EXPERIAN : EXPERIAN states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX  30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. 

XXXX : XXXX shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. XXXX shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. 

Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.

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 2023-12-02 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: FL

Complaint narrative:
In XXXX, I noticed numerous inaccuracies on my credit report. I requested verification for all accounts listed in scanned documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: FL

Complaint narrative:
A provision in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act allows borrowers who made payments during the forbearance period to request a refund. Any and all payments made since XX/XX/XXXX, were eligible to be refunded. 

On XX/XX/XXXX, I called my loan servicer XXXX and requested that all student loan payments I made since XXXX ( XX/XX/XXXX - XX/XX/XXXX ) in the amount of {$3600.00} be reimbursed to me in the form of a mailed check. When asked how long it would take for me to receive my check I was told XXXX days. I since called XXXX additional times to confirm the timeline and was told XXXX days both times. 

It has now been 100 days and I have still not received my money. However, on the exact day that I initiated the request ( XX/XX/XXXX ) they had no problem adjusting my balance an additional {$3600.00} allowing it to collect interest. I was told XXXX days. Anything over that I feel is a hardship on me, as they get to collect interest while I still don't even have the money that they are billing me interest on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have requested multiple times from midland credit collections company detailed itemized list of the charges they are saying I owe. I am in disagreement of the amount on both as I was working with a repayment company. They have not responded and it has impacted my credit score for years, I turn, I have had to pay higher interest rates because of their false unverified reporting. 

I want the collections removed from my credit profile asap.

Company response to consumer: Closed with non-monetary relief