vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I received bill, XX/XX/year>, from XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MN XXXX, via XXXXXXXX XXXX XXXX, stating I owed XXXX {$300.00}. I called XXXX and they said I did not owe any money. I called XXXX. XXXX, XXXX, XX/XX/year>, and spoke to XXXX. I told this person this debt is not mine. I sent form provided by XXXX. XXXX, XXXX stating I want to dispute this debt because this is not my debt. I sent this form via XXXX XXXX XXXX XX/XX/year> via XXXX Mail, registered, return receipt with adult signature confirmation. I received XXXXXXXX XXXX XXXX  confirmation XXXX XXXXXXXX, XXXX received the form disputing their claim, XX/XX/year>.

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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
After months of trying to change my account to remove the 'paid ahead status ' I finally received a notification that MOHELA will begin to process the payments as requested in my filed instructions. I received this notification on XXXX. The notification said it should take 3-5 business days to see it reflected in my account. On XX/XX/22 the change was still not reflected in my account when I checked online. I called customer service and after being on the phone for over 30 minutes, the best they could do was tell me it's been escalated and I should see a message in 5-7 business days. And if I don't then to call back. I feel like they are just hoping people forget about the requests they submit so they never have a chance at paying down the principal of their loans. This issue has cost me hundreds of dollars in interest, as I was trying to pay over the minimum to pay down the principal of my loan. When I expressed this concern, the representative said well your loan accrues interest every day. MOHELA has the worst customer service and platform.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have had two credit inquiries on my account in the last 24 hours. Both were on XX/XX/24. The first was from XXXX XXXX XXXX XXXXXXXX the second was THD/CBNA. I did not initiate these actions for either! On XX/XX/24 I was alerted of a security data breach from XXXX XXXX XXXX and was informed that my social security number had been compromised. I'm wondering if someone is using my social security to apply for credit cards.

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 2024-05-22 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ProCollect, Inc.
State: LA

Complaint narrative:
Stated I stayed at their apartment complex I never lived there nor have I resided within that city Im a victim of identity theft Ive tried to communicate with the company but they will not listen I wrote them and called very rude and unprofessional but yet steady report this to my credit report noting I told them I am a victim of identity theft its stated on my credit reports and Im registered with identitytheftXXXX as well

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 2024-05-22 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: NC

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.

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 2024-05-22 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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
The company was supposed to set up my account on a hardship program both this Ulta card and my XXXX credit card was supposed to be enrolled at the same time during that time I was assured my account would remain in a good status and my payments would be lowered to {$10.00} a month and apr would be reduced and the payments would automatically come out of my account. I started receiving collections calls and was very confused so I paid account in full I contacted the company and they refused to pull the phone call and continued to be very rude and unhelpful to fixing this issue or reviewing the information and providing me information I was treated unfairly and was given false n deceptive information and was charged an overwhelming amuof late fees and fianc charges also money money was taken out of my account with false intent Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-22 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: MD

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-22 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: NY

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: KY

Complaint narrative:
Please see below the email I sent to the CEO about this matter. I requested my refund and was told it was getting solved and now they are acting like the matter does not exist. 

XXXX XXXX : I contacted you all on XXXX XXXX, 2024, regarding my credit balance from my account. My loans were XXXX, and I had a credit balance of over XXXX dollars. At that time, I spoke to two people who put in the manual request for the refund. I was told if it was a payment to Mohela it would be ACH to my account and if it was to the Department of Education it would be mailed as a check. I was promised that this would be solved in about XXXX business days or XXXX weeks. We are past both and I do not have a refund. I was told it was squared away on that XX/XX/XXXX call. I called tonight and talked to some lady who acted clueless. She said it was coming from the Dept of Treasury and they have no record of a credit balance. It certainly was known when I called in XXXX. She said well it would be XXXX days after discharge of XXXX XXXX. I was well it is XXXX plus days. She was obviously not well informed and was talking in circles acting like my phone call was almost nonexistent and there was very little record of any of these conversations. I am quite frustrated. I paid loyally and had my federal loans XXXX through XXXX XXXX. It was acknowledged and showed on my account a XXXX refund plus. I received a email promising a close monitoring and communication to resolve this matter that I still have. Now, based on your representative tonight, there is very little record and seemingly no answers. It is a mystery of mysteries. I am assured that if I was XXXX plus days in default and over XXXX dollars behind in payments the matter would be very well known. Once again, I am requesting this matter to be solved because I feel misled, lied to, and it seems as if this is heading toward a disappearing of money, I am owed with hopes that it will just go away. I would like this matter solved. Please and thanks. 

XXXX XXXX XXXX

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 2024-05-22 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: Chime Financial Inc
State: PA

Complaint narrative:
XXXX dollars was used from account fraudulently without my knowledge I disputed charges but was denied the charges started in XX/XX/XXXX from XXXX XXXX until now with internal transfers and online purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: AZ

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-05-22 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: AZ

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-05-22 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: NC

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.

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 2024-05-22 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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently opened a checking account with Chase Bank. I deposited a check from a well known XXXX XXXX office which was my deposit that they were refunding because I cant have XXXX now that Im XXXX. I deposited the check on XX/XX/XXXX for {$1900.00}. They put a 10 day hold on the check. I spoke to multiple customer service reps all giving different information as to why the check is on hold and when the funds will be released. I contacted the bank the check was written from XXXX XXXXXXXX XXXX and was informed that the check has already cleared their bank and there are no holds on that check. After multiple days of calling back and forth with Chase they will not release the funds until after the holiday on XX/XX/XXXX. They wont even release {$250.00} of the funds which is required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Someone hacked my Marcus by Goldman Sachs high interest savings account ending in XXXX. They verified my identity by the last 4 of ssn and DOB. Some hacked the account and changed the email address or better yet I feel like Marcus doesn't want me to get into the account. They said they couldn't send me a one time authorization code to my cell because it isn't " working ''. I do not believe that. They refuse to give me any information on the case. I have over {$1000.00} in that account and was able to log in a couple of weeks ago. Now they refuse to help me gain access to my account. This is starting to feel like one big scam. I called on XX/XX/2024 and was on the phone for 1 hour and 9 minutes. I got transferred to 4 different people that all said the same thing. They would not let me talk to the person actually handling my case or transfer for me to the fraud department. I called on XX/XX/2024 to get an update and they refused to give me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: AK

Complaint narrative:
I am a victim of XXXX XXXX. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : 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 2024-05-22 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 explanation
Consumer complaint received 2024-05-22 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: OH

Complaint narrative:
I have filed a dispute about an account on my credit report and the company failed to investigate the information or prove that they investigated the information. I provided documentation showing the information was not correct. XXXX XXXX XXXX XXXX XXXX XXXX is incorrect.

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 2024-05-22 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: T.S. Holdings
State: CT

Complaint narrative:
IQ data international IN is reporting inaccurate information on my credit report. Ive reached out to them to ask for the purchase agreement to show full ownership of this account and didnt receive anything. I also never received any validation letter. They are reporting this information without my written consent and they are going against my effort to remove this account. The collection agency has engaged in False and misleading practices Violating FDCPA 807 and provided misleading forms violating FDCPA 812. There is also a {$1000.00} violation attached To this being reported on my credit. This will be my last time, giving the company an opportunity to cure the situation by having it removed off all my accounts. I have dealt with harassment for long enough and I am expecting a settlement offer within 10 days of this notice or further legal action will be initiated.

Company response to consumer: Closed with explanation