vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX  Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX  Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account Number : XXXX XXXXXXXX XXXX  XXXX ( XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX  I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I have a XXXX XXXX XXXX company. And I decided to use wise ( formerly known as transferwise ) to transfer {$21000.00} to my overseas supplier for the goods purchased. 

I completed the forms as described, and the disclaimer was informing that it takes 1 business day. I wired money to wise 's XXXX bank account from my XXXX bank account, and they were supposed to wire this money to my overseas supplier ( this is how wise operates in the XXXX ) as soon as they receive the money. 

Then, however, they sent me an email saying 'Weve received money for your transfer of USD to XXXX USD. But we couldnt confirm that it came from you. ' And they asked me to provide additional documents showing I own the bank account the money was sent from. In only 1 minute, I provided all the documents ( wire details, bank statement etc. ) which prove I am the sole owner of the account and my company, I wired the money etc. 

Then they did not take any action, and remove that transaction from my dashboard. It was pending before, now it shows nothing as if I did not send money to transferwise. They were supposed to solve it in 1 day ( as they stated so ), not they are saying it may take up to 3-5 working days to verify the documents. I say if you are not wiring it to my supplier, I want my money back and they are not even answering this request. 

This company keeps giving wrong information, holding my money and blocking my business ' operation. If I can't pay to my supplier today, it will be a late payment and I will fail to make required payment on our debt. 

With their way of fraud, they harm my and my company 's financial and reputational health. I believe CFPB should take an action against such companies, holding our small and family business owners ' money for no reason. They are not verifying the account ownership, they are just ignoring my emails, extending the time and keeping the money in their own bank account. 

They keep providing conflicting information ( 1 working day suddenly becomes 5 working days ). That is why I wanted file a complaint against wise.com. The existence of such companies causes the confidence in the whole sector to be shaken. A financial services institution that constantly provides conflicting information is causing the suffering of its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: LA

Complaint narrative:
XXXX and XXXX XXXX are reporting on my Credit report that payments are late which i never set up any payment plans or nor have I agreed to pay and they have considered trying to validate these debt which is not enough evidence for me to know if these are truly my debts to pay and if they actually purchased these debt from the original creditor they so called purchased them from. There is no documentation showing my signature and where I agreed to any of it. 
Look at attached information.

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 2022-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
I am in the PSLF program. My loans have been in repayment since XXXX, well longer than I need to have my loans forgiven. 

I consolidated my loans and was transferred to Mohela as my new servicer in late XXXX. My loans disbursed on XX/XX/XXXX. 

I resubmitted my employment certification form to MOHELA and received confirmation on their website on XX/XX/XXXX that my form was received. As my previous servicer was XXXX. My initial PSLF forms had been uploaded to them in XXXX at the start of the temporary waiver period. 

On XX/XX/XXXX, I received e-notification that there would be a 10 day delay in processing my employment verification form. I have not heard anything from Mohela. 

I just called their customer service auto service telephone number. When I entered my SS # and birthday, the automated system says that they do not have my loan information. I can clearly see my consolidated loan information on their website. 

Mohela has had my loan data since XX/XX/XXXX. With the looming deadline for the PSLF waiver, I'm concerned that I have been unable to get any account updates and information for over three months from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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  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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I applied for a Lowe 's Credit Card through Synchrony Bank, XXXX XXXX XXXX, XXXX Fl XXXX on XX/XX/22. On XX/XX/22 I received an email from Synchrony with a reference number to review the details of my application. The code did not work ( attached ). I called Synchrony on XX/XX/22 and explained the code did not work and they stated they would send me a written explanation of my denied card application. When I asked why it was declined they stated they could not share that information. 
Several days later I received the attached letter which was not an explanation as to why my application was declined, but a letter regarding inaccurate reported information. I called them again on XX/XX/22 stating I still have not received the reason for my denied application and shared the letter I did receive. I was told that was sent in error and a request for the denied letter would be requested again. On XX/XX/22 I called back because at this point I requested my credit report from XXXX which is who Synchrony stated they used to make the decision and my credit report was perfect and had a credit score of 833, On the XX/XX/22 call I insisted on speaking to a Manager and someone by the name of XXXX came on the line and I explained what happen and asked why the application was denied. After going back and forth she finally shared the reason for the denial was based on risk factors in confirming my identity per the XXXX credit report. I asked for more details and she said there are none. I need to call XXXX to resolve. I said I already did that and they see nothing suspicious or inaccurate on my report. 
I again asked for the official denial letter and again I was promised another request would be entered to send me a copy. Today is XX/XX/22 and I have never received the denial letter.

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 2022-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The fees that I'm disputing on my account was closed years ago and for some odd reason it is negative on my credit report and is also updated when I specifically remember on Experian it stated this would fall off of my report XX/XX/XXXX. For some reason it says it was updated when that makes no sense. Even if it was on my credit report for up to 7 years which it is past that time frame even from XXXX when this was addressed it is XXXX. This should have been fell off my credit report with no issue. I also called the number that they said to address my situation with and it was not a working hard number which I do now feel something fraudulent is taking place and my credit should not have to take a hit for this

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 2022-10-14 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: SC

Complaint narrative:
I have contacted each credit bureau several times in reference to these accounts on my credit report that I never opened and are not related to me. To date they have not provided me with any verifiable proof of these accounts. All I get back is a simple template letter stating was verified. Here are the accounts in question : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX In accordance with the Fair Credit Act XXXX  the Accounts listed in this complaint, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2022-10-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX and XXXX XXXX are reporting on my Credit report that payments are late which i never set up any payment plans or nor have I agreed to pay and they have considered trying to validate these debt which is not enough evidence for me to know if these are truly my debts to pay and if they actually purchased these debt from the original creditor they so called purchased them from. There is no documentation showing my signature and where I agreed to any of 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 2022-10-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: LA

Complaint narrative:
XXXX and XXXX XXXX are reporting on my Credit report that payments are late which i never set up any payment plans or nor have I agreed to pay and they have considered trying to validate these debt which is not enough evidence for me to know if these are truly my debts to pay and if they actually purchased these debt from the original creditor they so called purchased them from. There is no documentation showing my signature and where I agreed to any of it. 
Look attached items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have contacted each credit bureau several times in reference to these accounts on my credit report that I never opened and are not related to me. To date they have not provided me with any verifiable proof of these accounts. All I get back is a simple template letter stating was verified. Here are the accounts in question : 1. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have contacted each credit bureau several times in reference to these accounts on my credit report that I never opened and are not related to me. To date they have not provided me with any verifiable proof of these accounts. All I get back is a simple template letter stating was verified. Here are the accounts in question : 1. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX In accordance with the Fair Credit Act XXXXXXXX the Accounts listed in this complaint, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX  the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-14 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: TX

Complaint narrative:
These two accounts do not belong to me and I have been sending letters to remove these from my credit report. I did it multiple times, but I did not receive any response or result regarding their investigation or if they have investigated the matter. 

Please remove these ACCOUNTS AND INQUIRIES. 

XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX  Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC
State: NC

Complaint narrative:
I wrote a check out to a school for my childs field trip. The amount of the check was for {$45.00}. The check was returned from my bank stating NSF. I have contacted the bank and printed out a transaction history report. The Check was ran on XX/XX/22. The NSF fee was reported and withdrew out of my account on XX/XX/22. The balance of my account on both sides of the transaction was enough to cover the check in question. Checkredi was not interested in the proof, wanted me to jump through hoops to justify in hopes I would just pay the additional fees. They stated that the {$45.00} plus a {$35.00} dollar returned check fee was resubmitted to my bank. I did not authorize any additional money to come from my account. I did not sign anything with this company stating they are able to take more money for fees on top of my original authorized check of {$45.00}.

Company response to consumer: Closed with explanation