vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 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: CA

Complaint narrative:
I have been working with Mohela to apply for the PSLF program and they received my original application on XX/XX/XXXX. They did not input the EIN correctly and denied my application. I received not follow-up from them. I called to see why it was not approved and they told me what happened so the resubmitted the form on XX/XX/XXXX. I did not receive any follow-up from Mohela so I called again after the processing time they had quoted. First I was told I had to call my current loan servicer to ask them to transfer to loans to Mohela. When I called the other company they told me this was not correct so I had to call Mohela back. They looked at my account again and saw that the resubmitted form did not have an EIN this time. They resubmitted the form a third time ( XX/XX/XXXX ). I received no follow-up from them so I called again. This time my form was marked as a duplicate form in their system so again was just going to sit there with nothing happening. This time they said the problem is that my loans need to transfer to them before they can process the application. I am still at the beginning step of this process even though my initial application was submitted almost a year ago. I have been told ( although I don't even know if this is accurate at this point ) that my loans need 60-90 days to transfer and then they will start processing my application which will take 30 days. It won't be until that point that I will be able to know the number of qualifying payments I have. I am trying to determine financial decisions based on this information and in the meantime will be paying them interest while I wait for them to sort through their mistakes. It is unacceptable that this process should take over a year to complete and that I have to initiate with them so many times to correct errors on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX account ending in XXXX, which was charged off. 

XXXX. XXXX XXXX account ending in XXXX, which was also charged off. 

XXXX. XXXX account from XXXX XXXX XXXX ending in XXXX. 

XXXX. Collection account from XXXX XXXX XXXX  XXXX XXXX A ending in XXXX. 

XXXX. Collection account from XXXX XXXX  ending in XXXX. 

XXXX. Charge off account from XXXX XXXX XXXX XXXX. 

XXXX. Charge off account from XXXX ending in XXXX. 

XXXX. Inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 


I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX BXXXXnk XXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I have unauthorized charges with XXXX in my account. I called chase and they said because its in my app I cant get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MN

Complaint narrative:
Dear Discover Customer Advocacy Team, Re. Case Number : XXXX I write in response to your correspondence received from the XXXX Executive Office of Customer Advocacy regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. Thank you for your attention to this matter ; however, I believe further clarification is necessary. 

With respect to your response dated XX/XX/, understanding your reference to an unchanged previously reported account history, my initial complaint raised specific concerns under the terms of 12 U.S. Code 83 and 15 U.S. Code 44. I had requested for documentary evidence connected to my account ending in XXXX, including certain documents, correspondence, financial and corporate records pertaining to my account. 

I appreciate that you have provided a contact for your Customer Assistance and Recovery department. However, this does not entirely satiate my request for proof of the original instrument of indebtedness which I am entitled to receive according to 12 U.S. Code 83. Additionally, I require a clear understanding of the funding of the account and an account payable-receivable breakdown from the date of the opening of the account as outlined in IRS Publication 583, also referred to as the XXXX. 

Your previous response didn't appear to adequately address these assertions, and I am still desirous of resolution. I submit this reinforcement of my initial complaint with the hope that we can address this matter collectively, providing me with the aforementioned documentation and assurance that my debt will be settled upon receipt of the full payment amount detailed in my initial complaint.

I understand that these are unusual requests but please understand that they are made with respect to the Law and my rights as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid off my mortgage loan for an investment property when I sold the asset. XXXX has recorded the payoff but transunion and XXXX have not.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid off my mortgage loan for an investment property when I sold the asset. XXXX has recorded the payoff but XXXX and equifax have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX re added a major derogatory account to Equifax knowing I was an identity theft victim since XXXX. Equifax is how this all started due to a data breech which I was registered as a victim. They cleaned up my report and now they are allowing old fraudulent debt back on to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have requested an arbitration that I was sent in the mail. I am tired of being treated like this and insulted by wells fargo. With them falsely claiming there is no evidence. When they sent me a letter stating why they closed my account. Is because XXXX XXXX falsely accused me of harassing her. I don't have to put up with anyone picking on me. I'm sick of how I am being treated by wells fargo and their lies saying there is no evidence of wrongdoing. When my checking account was wrongfully closed. They have the letter that was sent by XXXX XXXX stating that wells fargo was exercising their rights to close my account. AFTER XXXX XXXX falsely lied about me saying I harassed her at the bank. It's their goal to further enrage me! Then saying for me to stay out of wells fargo bank. I'm not asking to go to wells fargo bank. Wells fargo was already made aware of me well before I even opened a checking account. This was all a set up by XXXX XXXX and her XXXX  to get me at the bank. For her to falsely call the police to have me arrested. How do they have the gall to say there is no evidence? They had no right to treat me the way I was treated. XXXX XXXX bragged that she never gets in trouble. XXXX XXXX was not so nice in her letter to me stating all these mean things and untrue things in the letter just like how XXXX XXXX wrote. " I never harassed XXXX XXXX. With all that they have been caught doing. They are still fighting me. XXXX XXXX is the one who slandered me at wells fargo and caused me all this pain and suffering that I had to go through for no reason and still going through it.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute inaccurate information that your agency has reported on my credit file. Despite my previous attempts to resolve this matter, I have not received any response from your agency within the required time frame, as outlined in 15 USC 1681i. 

On XXXX, I submitted a dispute letter to your agency, clearly stating the inaccuracies present in my credit report. The letter contained specific details about the accounts in question, including the account names, numbers, and the reasons for my dispute. A copy of the original dispute letter is enclosed for your reference. Your agency signed for a documents on XXXXXXXX 

Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i, it is the responsibility of credit reporting agencies to promptly investigate disputed information and provide a written response within 30 days of receiving the dispute. Regrettably, it has been more than 30 days since my initial dispute, and I have not received any communication or resolution from your agency. 

Due to the prolonged inaction on your part, I am now requesting that you delete all the disputed accounts from my credit report. The continued presence of inaccurate information is adversely affecting my creditworthiness, hindering my ability to obtain credit, and causing significant financial harm. 

I would like to remind you that the FCRA mandates that you adhere to the statutory requirements for prompt investigation and resolution of disputes. Failure to comply with these obligations may result in legal action being taken against your agency, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under 15 USC 1681n. 

Enclosed with this letter, you will find copies of the original dispute letter, certified mail receipts, and any other supporting documentation pertinent to my dispute. I urge you to review the enclosed information diligently and take immediate action to rectify this matter. 

Please acknowledge receipt of this letter and confirm that you have initiated an investigation into the disputed accounts, as mandated by law. Additionally, provide me with a clear timeline for when I can expect a written response detailing the results of your investigation and the removal of the disputed accounts from my credit report. 

I anticipate your prompt attention to this matter and a swift resolution. Your cooperation in deleting the inaccurate accounts from my credit report will be greatly appreciated. 

Thank you for your immediate action in this regard.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I paid a {$170.00} deposit for a service I did not get. The email from the thief business on XX/XX/2023 says, " we will process your refund '' but they haven't because the owner is a thief and scammer. He has IGNORED all my emails trying to get my money back. I filed a dispute with navy federal who also IGNORES my secure messages that are supposed to be responded to in 2 business days!!!! NAVY FEDERAL CUSTOMER SERVICE XXXX!!! I want my {$170.00} refunded IMMEDIATELY and I want my messages responded to IMMEDIATELY!!!! THIS IS COMPLETELY UNACCEPTABLE!!!

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I first inquired about my credit score XX/XX/XXXX after my 3 day trial which was advertised for free charged my XXXX account for a XXXX and then on the XXXX I was charged {$29.00} for a full month membership. I went through the web page to cancel subscription and thought it was taken care of but I was again charged on XX/XX/23 again for a monthly subscription. I then contacted them by phone to cancel the subscription. I did get it refunded but when I notified XXXX, they are investigating and now are claiming that they are going to deny the charges for XX/XX/23. I live on a fixed income otherwise I wouldnt have signed up for this. I saw that they were going to charge a XXXX. I let it go. I didnt think that I would still be dealing with this again in XXXX. I hope they are under investigation again for fraud. I cant afford to keep contacting XXXX or XXXX to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation