vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
To whom it may concern, I requested information on the negative items listed on my credit report and wasnt given a response, i disputed all incorrect and negative its requesting them to be removed.am requesting information in how the company verified these accounts Based on 15 usc 1681 -i7 I would like to have a description of how the verification was done and I am requesting who was the source that verified and how was this information verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-24 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 need your assistance with an incorrect account appearing on my credit report. This issue is harming my reputation, and I require your support to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
All of the listed inquiries were unauthorized and Im a victim of identity theft can you please remove these 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 explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Im on the Public Service Loan Forgiveness Plan, and am about to be eligible for forgiveness in XX/XX/year>. 

Mohela has been fine at handling my loans with the exception of two forced / unauthorized forbearances that drew out my payments for longer periods of time. Each time I asked to be removed from the forbearances I was told theyd put in a request and it would be removed. It never was. Thats complaint # XXXX. 

Complaint # XXXX is that since Mohela transferred whatever they transferred to StudentAid.gov, no one knows whats going on. I received 3 different XXXX-inducing letters about my payments going up and autopay changing dates etc. I also received info that my forgiveness eligibility date is 5 months PAST the date Im actually eligible based on payment counts and prior communication from Mohela. 

I called Mohela after receiving this info and was on hold for almost an hour before someone told me I had to call StudentAid.gov since it was PSLF related. Then I called StudentAid.gov who told me to deal with my loan servicer. NO ONE WILL HELP ME.

Im very concerned about my status and DO NOT want to overpay these corrupt companies - I want confirmation of my final payment month for this year and I want confirmation that I can apply for forgiveness THAT MONTH and be done with this nightmare. 

No one seems to be able to give me any accurate information! This is unacceptable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: IA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-24 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: IA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: TX

Complaint narrative:
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: SC

Complaint narrative:
I reached out two separate times to ask about any programs to help me afford my payments and get caught up. They told me there are no options for me. I had a temporary reduction in income in XX/XX/2023 due to hours at work being cut. This caused me to fall behind in addition to a move that occurred at the same time. I reached out to them 2-3 months ago and was told there were no options for lower payments, deferments or forbearance. They would not work with me. I had to not pay other bills to get current. But due to a job change and not getting full paycheck yet in addition to already being behind on everything else I fell behind again. I am now 77 days behind and they still refuse to work with me to get this account current other than to make the full payment. They are telling me I exhausted all options in the past ( I have been paying on the loans for at least 15 yrs so I probably exhausted this a long time ago ). My interest rate has also doubled in the last year or two. It was 5.5 % and now it is over 10 % which increased my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: TX

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX -- -- -- ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX -- -- -- - ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX -- -- -ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  XXXX -- -- -- ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX CARD -- -- -ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX -- -- -ACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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 2024-07-24 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: AL

Complaint narrative:
XX/XX/2024 I have mailed out a FTC report disputing some unauthorized inquiries from my credit report that I did not recognize nor have I ever gave these companies permission to furnish my consumer report. I have not got an response or an update of my credit report and it has been well over XXXX days. 

SEE ATTACHMENTS AND CHECK DATES!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was frauded by a company that claimed to be XXXX XXXX. My fiance dialed what she thought was the airlines, and I talked to them about buying a couple tickets. At the end of the conversation, they said there would be two charges, one for the flight and the other for the taxes. I believed them and game them the credit card. The truth was, it was another company that bought a flight from XXXX XXXX then charged be a fee of over a XXXX dollars to purchase the ticket. I found out that night when I called the true XXXX XXXX to make a change and they told me the true cost of the flights. I called the company bank the next day and asked to cancel the flights and get a refund, but they would hang up on me so that I couldn't cancel the flight. They would not cancel the flight and give me a refund. So I called and notified Bank of America that very night, that it was a fraudulent charge, but they didn't stop it. And after the transaction went through, I disputed it through Bank of America, and they ultimately stated that it was not fraud and that I had to pay the fee.

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 2024-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: GA

Complaint narrative:
World Finance is and old account from XXXX XXXXI paid it but it still shows up on my credit XXXX different times. I asked company to delete it from my account or at least stop reporting it all those times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Marcus by Goldman Sachs regarding the ongoing issue I am facing with accessing my savings account. I opened a savings account with Marcus by Goldman Sachs, but unfortunately, I have been locked out of accessing my account. Despite numerous attempts to resolve this matter directly with Marcus by Goldman Sachs, I have encountered significant hurdles.

Here is a summary of the issue : Access Issue : I have been unable to access my savings
account due to a purported inability by Marcus by Goldman Sachs to verify my identity. Despite providing all requested information and undergoing several verification attempts, I continue to be denied access to my account. 

Communication Attempts : I have called Marcus by Goldman Sachs customer service on four separate occasions and spent hours providing them with all necessary information and answering their identity verification questions. However, I have received no satisfactory resolution to this issue.

Affidavit Submission : In an effort to resolve the matter, I followed Marcus by Goldman Sachs ' instructions and submitted a notarized affidavit verifying my identity. I sent the affidavit on XXXX of this month, and despite this submission, I have not received any further communication or resolution from Marcus by Goldman Sachs.

Physical Branch Visit : I visited Marcus by Goldman Sachs ' XXXX XXXX location seeking assistance, but I was directed to contact their customer service number, which I have already done multiple times without success. 

Concerns : I am deeply concerned that Marcus by Goldman Sachs is withholding access to my savings account funds without valid reason. This situation has left me feeling powerless and anxious about the security of my hard-earned money.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and facilitate a prompt resolution. I believe Marcus by Goldman Sachs ' actions are unfair and unacceptable, and I am seeking assistance in accessing my savings account funds without further delay.

Please feel free to contact me at [ Your Phone Number ] or via email at [ Your Email Address ] if you require any further information or clarification regarding this complaint.

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: AL

Complaint narrative:
I did not authorize these hard inquiries. Please remove these unauthorized hard inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Santander literally lied and falsified information that is attached to this letter. They uploaded this letter into my account with no discussion being had by me. They claimed that they spoke to me on the phone yet they don't have a phone number to contact me that is current. Nobody ever talk to me and I never agree to this. They lied. What is the recourse and what is the punishment to them for literally falsifying information stating that they spoke to me which they have done many times and they actually did not? That is so unbelievably illegal and unethical. They have done this multiple times over the course it's part of their shady business practices. They don't have a phone number to reach me. The phone number that they had no longer reaches me I don't have that number anymore. This is how I know they don't have any way to contact me. It's frightening to me that they can actually lie like this and get away with this. I did not agree to this settlement I did not agree to anything I did not speak to them I did not agree to the terms I did not agree to the dates I did not agree to the amount. You need to fix this with this lender once and for all and they're shady business practices. They have so many lawsuits that it is shocking to me how they can continue to do business. They have lied they have completely lied. Further evidence of their lies can be proven because of where I was at the supposed given time and date that they talk to me. I would not have been able to even speak to somebody because I was incapacitated. Lies lies and more lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I filed a complaint with cfpd on trans union credit reporting agency, they didn't respond in the 30 days or given time. I am requesting information in the source and identity how the company verified these accounts Based on 15 usc 1681 -i7 I would like to have a description of how the verification was done and I am requesting who was the source that verified and how was this information verified.

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 2024-07-24 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: TX

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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 non-monetary relief