vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: PA

Complaint narrative:
On XXXX XXXX XXXXXX/XX/XXXX, I received a letter from Mohela. Part of it states exactly under Annual Recertification " You won't be required to recertify before payments restart in XX/XX/XXXX, and the earliest you could be required to recertify is XXXX months after the payment pause ends. If you recertification date falls between now and XXXX months after the pause ends, it will be pushed out by XXXX year. '' It says my payment restart date is XX/XX/XXXX. XXXX months after XX/XX/XXXXXXXX XXXX XXXX 

On XXXX XXXX XXXX I receive a letter from them saying my recertification date is XXXX XXXX XXXX  ; since XX/XX/XXXX is before XX/XX/XXXXXXXX I expect it to be pushed out by XXXX year. 

On XX/XX/XXXX, I contacted Mohela after checking their website, and it said my IDR recertification date was still XXXX XXXX XXXXXX/XX/XXXX. I spoke to a representative who informed me this is normal and once their systems go from XXXX to XXXX, my IDR date should get pushed out as part of that processing. I am happy with this outcome. 

XX/XX/XXXX : I check the website to see if the IDR date has been pushed out and it was not. I contact Mohela to inquire. During this call, I am told by their automated systems that my XXXX recertification date is XXXX XXXX XXXXXX/XX/XXXX and if I do not recertify by this date, my payments will increase to approximately {$430.00} per month. I speak to a Mohela rep, XXXX, who is unable to help me after I explain the situation and transfers me to another department. I then explain the situation again to another rep, XXXX and she is unable to help me and transfers me to another department. I then speak to a third representative and explain the situation again, at this point I have been on the phone for over an hour, the vast majority of it on hold. This representative tells me my actual XXXX recertification date is XX/XX/XXXX and provides no proof to back that up except for claiming " my system says so '' ; meanwhile I have letters and a picture of my online account stating that the XXXX recertification date is XX/XX/XXXXXXXX  AND I my payments will increase if I do not recertify at that time. If " the system says so '' then why was I repeatedly given false information? This agent then tells me I can REQUEST that my recertification be pushed out by XXXX year, but this will take XXXX business days ( XXXX months basically ) and I will lose my XXXX plan because it says I will be taken off on XX/XX/XXXX, and even if they are correct ( I have no reason to believe so at this point ) that it will end on XX/XX/XXXX, that is still before the XXXX month time it will take for them to process this, making the entire thing essentially moot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
They are reporting bankruptcy on my credit when the XXXX district bankruptcy court do not report this information. I have a certified letter from the bankruptcy court, and stated that they do not report this to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They are reporting bankruptcy on my credit when the XXXX district bankruptcy court do not report this information. I have a certified letter from the bankruptcy court, and stated that they do not report this to credit bureaus.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
DEAR XXXX, XXXX AND TRANSUNION, THE INACCURATE INFORMATION ON MY CONSUMER REPORT THAT I HAVE BEEN DISPUTING WITH YOUR COMPANY KEEPS COMING BACK " VERIFIED '' OR " UPDATED ''. EVERYTHING VERIFIED SHOULD BE UNDER OATH!!!! I HEREBY DEMAND YOUR COMPANY TO PROVIDE ME UNDER PENALTIES OF PERJURY PURSUANT TO 28 USC 1746 WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE NAMES AND ADDRESSES OF THE PERSONS WHO YOU'VE DONE THE RE-INVESTIGATION WITH INCLUDING EXACT TIME AND DATES THE INVESTIGATIVE REPORT WAS DONE. PLEASE BE ADVISED FAILURE TO COMPLY WITH MY REQUEST SHALL PUT YOUR COMPANY IN LEGAL TROUBLE XXXX, XXXX XXXX ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
DEAR XXXX, EQUIFAX AND XXXX, THE INACCURATE INFORMATION ON MY CONSUMER REPORT THAT I HAVE BEEN DISPUTING WITH YOUR COMPANY KEEPS COMING BACK " VERIFIED '' OR " UPDATED ''. EVERYTHING VERIFIED SHOULD BE UNDER OATH!!!! I HEREBY DEMAND YOUR COMPANY TO PROVIDE ME UNDER PENALTIES OF PERJURY PURSUANT TO 28 USC 1746 WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE NAMES AND ADDRESSES OF THE PERSONS WHO YOU'VE DONE THE RE-INVESTIGATION WITH INCLUDING EXACT TIME AND DATES THE INVESTIGATIVE REPORT WAS DONE. PLEASE BE ADVISED FAILURE TO COMPLY WITH MY REQUEST SHALL PUT YOUR COMPANY IN LEGAL TROUBLE XXXX, XXXX XXXX ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
During the month of XXXX, I made a credit application to the Chase Sapphire card, which was denied at that time because they could not validate my identity. Documents were sent for the validation process such as : PR Government ID, passport, and social security card. These documents were sent multiple times via a link I received via email. I had to make several calls to Chase 's security department until they were able to validate the documents and approved my application. In XXXX, I received the credit card. I tried to activate it through the website, but I could not. I contact the service department for assistance, when they ask me the security questions and I answer them, they tell me that they need to ask me questions related to the credit because they could not validate the identity. After answering all the questions, they told me that they can not give me any information about my account because they can not validate my identity. I asked to speak with the supervisor, after explaining to her, she told me that she can not give me information because I did not answer the security questions correctly according to them. I explained that I had problems with the application, and I sent my documents. After they were evaluated by the fraud department, they validated my identity and approved my application. I tried to tell the supervisor that I could send these documents back to her so she could help me, but she explained that it was not possible. My only solution was to stop by one of their branches with my ID so that a representative could validate my identity. I explain to her that I live in XXXX XXXX and there are no Chase branches here, that I need an alternative to resolve the situation and activate the card. He explains that this is my only alternative, so I decide to end the call. I received a bill for {$90.00} which is the annual fee, plus a late fee and an adverse credit mark for a payment not issued when Chase did not allow me to activate the card and as a result, I do not have access to the approved credit. My request is to cancel the credit card, remove the late fees and adverse credit mark because I feel discriminated against for not having the facility to go to one of your branches since there are no Chase branches where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX | XX/XX/XXXX : Account number : XXXX  This account is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Account number : XXXX, This account is a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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 am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX This account is a result of identity theft. 
XXXX | XX/XX/XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX  ) : Account number : XXXX, This account is a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my accounts.

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 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XXXX. Over the past XXXX years, I have notified American Express numerous times, through both phone communications and U.S. Mail, that the debt they are attempting to collect is a result of identity theft. I have diligently provided evidence and documentation to support my claims, yet American Express has consistently refused to acknowledge my claims. 

XXXX. Despite my repeated notifications and the clear evidence of identity theft, American Express has persisted in reporting these fraudulent accounts on my credit reports, causing significant harm to my credit history and financial well-being. 

XXXX. American Express 's refusal to acknowledge my claims and their continued attempts to collect on this fraudulent debt are in direct violation of consumer protection laws and have caused undue stress and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX  : Account number : XXXX  This account is a result of identity theft. 
XXXX | XX/XX/XXXX : Account number : XXXX This account is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, This account is a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: CA

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check ( {$3200.00} ) on XXXX from my retirement fund. Chase Bank told me they were holding my check for 10 days because the payee is flagged with Chase to to bounced checks. I called XXXX XXXX which told me chase was lying stating and it should clear in about 2 days. I then called Chase back and spoke with XXXX @ XXXX whom claimed he was a Sr. Check hold specialist. He claimed XXXX XXXX will not verify checks over the phone. I called XXXX XXXX back and was told they do it all the time. I called XXXX back in which they said call back in XXXX XXXX days if funds were not released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: U.S. BANCORP
State: MA

Complaint narrative:
I was looking over my credit report and saw a hard inquiry from US Bank on XX/XX/year>. I called US Bank and provided them with this information. They looked me up by my social security number and I was told I never had any inquiries with them. I was instructed to fill out a fraud report by a transition representative because a hard inquiry is showing up from US Bank but US Bank has no history of me ever applying for anything.

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 2024-02-08 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: MD

Complaint narrative:
The Following Inquiries Where Not Authorized By Me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Around XXXX to XXXX XXXX week of XX/XX/year>, I found out about an account in wells fargo bank that i never opened. Somebody changed my mailing address, contact phone number and email address in my wells fargo account. Someone transferred money from my account to this new fake account without my knowledge. I went to wells fargo and informed them about this. They helped to reverse transation but did not help me prevent such transactions happening in future. I further saw many suspicious fake transactions on XX/XX/XXXX. There were total 4 transactions on XXXX which were suspicious. Someone also opened XXXX  digital account in XXXX  without my knowledge. I called multiple times to XXXX but their customer service is worst and exhausing. Till today, XXXX has not helped me updating my actual phone number. On XX/XX/XXXX, Someone tried to open wells fargo account under my name without my knowledge. I filed the police report regarding these transactions to near by police station.

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