vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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: AZ

Complaint narrative:
I Requested the closure of XXXX saving account on XXXX XXXX via support live chat, the chat specialist answered me that the account was successful closed. After some time, i saw in my credit report that i had late payment for XX/XX/XXXX and XX/XX/XXXX. After contacting the company, i was told that the account can only be closed by calling the support service, which does not coincide with the conditions indicated on company 's website. The company refused to delete deliberately false records of late payment that were received after i requested account closure. Contacted with company with Goodwill ask to removal and trying to dispute, but XXXX refuse delete that false info

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 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Upon discovery after viewing my consumer report I see an alleged account reporting onto my credit report. I am requesting president XXXX XXXX & LVNV Funding LLC to send me verification - ( sworn under oath -28 USC 1746 ) of the name & address of the original creditor pursuant to 15 USC 1692g ( b ). I am also demanding that LVNV Funding LLC cease all forms of communication through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c ). Failure to comply with any provision listed will result in legal action pursuant to 15 USC 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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:
XXXX has not received written instruction to furnish a consumer report on my behalf in doing so XXXX is actively committing identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit
State: SC

Complaint narrative:
I contacted them and told them i was on XXXX  orders and wasnt in the States. I had no ways of communication with anyone. I was on Orders for the United States XXXX. I have Orders. I am XXXX XXXX XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/23 I received a notification that someone was trying to use my debit card.They denied it and sent me a new card however they sent it to the address of the person trying to use it.I had no clue until it was too late and they had taken XXXX $ out of my account, I filed a claim to get reimbursed and after 2 and a half weeks my claim was wrongfully denied.Now XXXX $ is missing.

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 2023-10-02 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: FL

Complaint narrative:
UNAUTHORIZE INQUIRIES ON MY CREDIT REPORT 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 2023-10-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want this on my report , it hurts my credit history and it's not mine.

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 2023-10-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 of a has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I don't want this on my report XXXX it hurts my credit history and it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want this on my report XXXX it hurts my credit history and it's not mine.

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 2023-10-02 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Three calls were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and corrections still have not been made. 
On my first call I was asked to write a statement of request stating which of the 2 bank accounts I have listed in my account will be designated to pay which of the three loans. The website is poorly designed to accomplish this task. I need to create the word document, sign it, take a picture of it, send it to my email, save the jpeg in a file and then upload it on the website. The upload still hasnt shown up on the aidVantage site as a document I sent them. 
XX/XX/XXXX I receive an Auto Pay authorization document that they werent going to process my original request they directed me to send. 
I was also sent an XXXX which is a statement on aidVantages first intentions to bill me. It states 2 different payment amounts to be auto payed on the XXXX of XXXX. I called 3 times for a revised ecorrespondence and still corrections havent been made. 
The ecorrespondence and the website claim to pay all three loans from one of the two banking accounts without my authorization. 
The website claims that all three loans will begin payment on XX/XX/XXXX but the ecorrespondance and the representative can see that one loan to be paid on XX/XX/XXXX and the other two on XX/XX/XXXX. T There is no continuity in the financial information between the aidVantage website, ecorrespondance, phone representative and auto pay authorization form. 
The auto pay authorization form does not ask which loans will be auto paid from the banking account information they requested. 
***The auto pay authorization form is asking for banking accounts that are already on the aidVantage website and have been used in the past but now they are requesting a hard copy uploaded with the identical information. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I applied for a loan based upon a pre-approval offer on XXXX from BestEgg online marketplace. I was advised I was approved pending verification of my identity. I submitted a true and legal copy of my California Drivers License, which in fact was approved and verified by the representative on the phone. ( Of which I spent XXXX minutes with ) I was told the information was fine and that a final review would be done and loan processed. Within minutes I received a decline letter stating that I was declined due to not being able to verify my identity and information was from XXXX. I immediately contacted XXXX and advised them of the circumstances. I was told that that was not the case and that companies like BestEgg just throw in wording on their decline letters and then refer customers to XXXX. 

I attempted to contact BestEgg Verification department to get more info. I've been sitting on hold for almost XXXX hours now waiting for someone to get me more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: TX

Complaint narrative:
This Company / Credit Reporting Agency refuses to remove inaccurate, fraudulent accounts and information from my federally protected consumer report. The Credit Reporting Agency contiues to " Verify '' the accounts with the Fraudulent Companies that I have disputed. Further, They have failed to " VALIDATE '' any of the accounts listed in the complaint. 

THIS IS FRAUD and The Credit Agency is NOT IN COMPLIANCE! 
These accounts have been disputed multiple times over several years! 

I DEMAND THAT THESE ITEMS BE REMOVED IMMEDIATELY! 

Proof is in the amount of complaints and the constant updating of the status to " Verified '' NOT " VALIDATED '' REMOVE THE FOLLING ACCOUNTS NOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND THE ITEMS BE REMOVED IMMEDIATELY! NOT 30 DAYS! NOW!!!

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I disputed on XX/XX/XXXX to XXXX, XXXX and XXXX. however it's been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have had XXXX for years, they randomly and recently canceled my account and charged me over {$2400.00}. When I called and asked for a contract they said I was not under a contract, they also could not explain to me after 3 hours of recorded calls why my account was canceled to begin with and that they had no idea why I was charged. They apologized and also said that they were going to send a check out to my home to correct the problem. I also received emails where they promised me a refund and apologized profusely for charging me and canceling my account. I spent over 3 hours on the phone with no resolution. No tech came to my home, in fact the local representative advised me she was speaking with management. That was two weeks ago, and today I receive a letter from a collection agency who now threatened to damage my credit. This is absolutely false, it is racking up interest charges on my credit card, as well as falsely damaging my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have a Marriott Bonvoy Credit Card which I have had for over 20 years. I am supposed to receive Free Night Award ( FNA ) on my anniversary each year. I am also a Platinum Lifetime Member of Marriott. I never received my certificate in my email. I originally called Marriott who then told me to call Chase. I called Chase who said they were also not responsible and told me to call back Marriott. I called back Marriott and were told again to contact Chase. I asked to speak with a supervisor at Marriott but was told they were not able to do that. I called Chase again and was told it is a Marriott issue. After being on hold for 17 minutes, I was either hung up on or disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I tried to open a savings account with XXXX XXXX. They told me I was denied because of my credit score with XXXX. I contacted XXXX and the report has no negative information to dispute but they have my score in the XXXX out of XXXX. My score with all XXXX XXXX, XXXX, and XXXX are over XXXX out of XXXX. They say I cant dispute their logic, but there has to be an error. The top XXXX reasons that contribute to my score all say the same thing : either no info in the last 3 years or adverse info. I have a mortgage in my name, a car loan, XXXX credit cards paid off every month, etc. There is no reason they shouldnt be able to find info on me. The more I ask, the more they speak sternly and say there is nothing they can do. This is crazy because I can get loans, but cant open a savings account. Please help me fix this as they wont do 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 explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX I got an alert for a hard inquiry on my credit report. I contacted my bank which gave me a phone # for Bank of America which is the bank that opened a XXXX credit card in my name. I called them on XX/XX/XXXX and they told me no activity was done on the card and they will close the account. Thinking the bank was doing what they said I didnt worry about it. Today in the mail I got a letter from Bank of America dated XX/XX/XXXX stating the balance transfer check for XXXX they issued on my behalf to XXXX XXXX in Fl was mailed out on XX/XX/XXXX has not been cashed yet. I called the bank again today to question the letter and was informed that the account wasnt closed till XX/XX/XXXX. Thats very ridiculous

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 2023-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-03 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: IA

Complaint narrative:
Hello, My name is XXXX XXXX. I am a XXXX XXXX XXXX resident of XXXX XXXX Iowa. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After I return to the United States I attended XXXX XXXX XXXX XXXX. Although I received a full tuition scholarship, I took out loans in order to afford a place to stay and feed myself. 
I graduated XXXX school in XXXX and since XXXX of XXXX have been on the XXXX waiver. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During the pandemic my servicer left the student loan market and my loans were transferred to mohela. Because I knew student loan payments were resuming this month, I began filing my paperwork months ago. I knew that the month of XXXX was going to be a disaster for these companies and so I really wanted to make sure that I had everything in order. I applied for and was put on the SAVE repayment option. I received notification that I was accepted on an IDR repayment plan on XX/XX/XXXX of XXXX. 
On XX/XX/XXXX I received a letter from Mohela, without my request or acquiescence, that all but one of my loans were being put into " administrative forbearance. '' Although this will save me money in the coming months, it means that my payments while in forbearance will not count toward my PSLFXXXX payments goal. 

This is unacceptable. My tax dollars have gone to fund payment to servicers like mohela, and despite knowing for over a year now that repayment was to begin, they are not ready. 

It is unconscionable that borrowers are put into this position. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: TX

Complaint narrative:
I do not want to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting 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: Verisk Analytics Inc
State: TX

Complaint narrative:
I requested my FULL disclosure file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom this may concern, In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. Everything has to be 100 % accurate on my credit report. Experian and XXXX are reporting this account which should've been removed from credit report. This account is over 7 years old which is past the statue of limitations, this debt is considered time-barred. This is illegal and is grounds for removal 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