vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 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: GA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$21000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$12000.00} is wrong, and so is the past due amount of {$0.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Thank you, 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 2023-10-09 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  I disputed accounts on my credit report that came back verified. I specifically asked for proof of accounts and who verified the accounts which by law, I am allowed to ask for. The accounts came back as verified and closed without sending any information on who verified the accounts or how they were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-10-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I change phone company at the end of the month, this was in XXXX i send the rest of the owing monies XXXX XXXX XXXX, that is what i was owing them for the month of XXXX they said i owe for the 7 days of the month of XXXX $ XXXX. I called them and asked them for an explanation, they said go to the nearest XXXX XXXX store, they should help me, I went to the usual store, they said call XXXX XXXX i called XXXX XXXX, they said, go back to the store and tell them to call us from there. i didn't go, i'm a XXXX yrs woman, I have been with XXXX XXXX for XXXX yrs. never been late on my bill, they don't have nothing to say about my credit, the reason i change companies is because my husband and myself live in a fixed income and XXXX XXXX was to expensive for me. i don't think i should pay this bill, is ridiculous. I really hope you can help me with this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Last Friday, when I checked my Bank of America, checking account, which I opened here in XXXX, North Carolina, I noticed that the bank had cashed five checks from a gentleman named XXXX XXXX, totaling {$4100.00} ( check # XXXX for {$600.00} ; check # XXXX for {$930.00} ; check # XXXX for {$1300.00} ; check # XXXX for {$86000.00} ; check # XXXX for {$35000.00} ) At that moment, I called the bank to report it, and the Fraud Department is currently investigating the case. On Saturday morning, there were two more checks from the same person for {$1900.00} ( check # XXXX for {$530.00} ; check # XXXX for {$1300.00} ) which surprised me greatly since I had reported and requested an account cancellation the day before. 
Bank of America is investigating these fraudulent transactions, but I wanted to report to you because it is very likely that not only my financial information has been compromised but also my personal information. I will be taking the necessary steps with the Police of XXXX, the Fraud Section of the United States Department of Justice as well. 
I don't understand why Bank of America doesn't have a good financial security system and allows funds from my bank account to be used with checks that don't have my name or signature. I haven't even requested checks from Bank of America. Actually, what gives me the impression is a precarious system with few safeguards, which concerns me greatly because they have all my information, such as a copy of my green card, social security, and driver 's license. They request this information to open their customers ' bank accounts. 
I urge your assistance since I have not received any information in writing from the bank and I need my funds back. They mentioned that the process can take up to 90 days to have my money back. I hope you can help me to expedite my claim. 
Enclosed you can find print screen of checks and print screen of online statement. 
Thanks in advance,

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 2023-10-09 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2023 I received a credit monitoring alert stating that a inquiry had been made. My credit monitoring service noted that JPMCB card services did an inquiry. I did not authorize it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Back on XX/XX/2023, I registered for Citi 's " Refer a Friend '' program, which offers me a {$100.00} statement credit after I refer someone to Citi and they are approved for a new credit card. On the same day, I shared my unique link with my brother. Within the next day or XXXX, he used my link and applied for the same card that I have, the Citi AAdvantage XXXX XXXX card, and was instantly approved. He has been using it as his primary card ever since, and Citi has gained a new customer because of my referral. 

Unfortunately, Citi has not held up their end of the bargain. Per the terms of their program, I should have received the {$100.00} statement credit within XXXX weeks of my brother 's approval. It has now been over XXXX weeks, and they have never issued the credit. I have reached out to them numerous times on the phone, and support inquiries have been submitted, but Citi has never followed up on these inquiries with any additional information. 

This practice is completely unacceptable on XXXX end. It is not fulfilling its obligations under the program that it has advertised.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 2023-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
I'm struggling to get Mohela to process a simple customer service request. I am trying to switch my student loan repayment plan from an XXXX plan to the standard XXXX plan. I first called Mohela to request this change on XX/XX/2023 and was told it would take XXXX business days. When the change was not reflecting on my account a month later, I placed a second call ( on XX/XX/2023 ) to follow up. The representative that I spoke to expressed that it shouldn't have taken so long to make that change and assured me that it would be processed by the following Tuesday ( XX/XX/2023 ) at the latest. When the change was still not reflected on my account by that date, I called a third time and was told, again, that it would be XXXX business days. Once again, I waited the XXXX business and, when the change still had not been made, called a fourth time ( on XX/XX/2023 ). The representative I spoke to that time told me that it actually takes 60 days, not XXXX ( as I had been told by each of the XXXX prior representatives I had spoken to ), which was why it had not yet been processed. I asked to speak to a supervisor, but was disconnected while holding ( I had already waited over an hour on hold to speak to the first representative ). To date, my request still has not been processed. I am submitting this complaint because I am concerned Mohela is kicking the can down XXXX XXXX on this request. I had a similar issue in the past getting Mohela to process a very basic customer service request ( correcting obvious errors in my PSLF count ) and was only able to get help from Mohela after filing a CFPB complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Foursight Holding LLC
State: AL

Complaint narrative:
I received credit hard inquires. I never applied for credit XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: TX

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My principal applied for a mortgage loan at Truist on XX/XX/2023 and was unlawfully denied. Regardless of the reason of the denial, I have the right to credit. Withholding access to my securities, is security fraud, extortion, trust fraud, breach of contract, interference with commerce, malpractice, breach of fiduciary duties, etc. Truist Financial are violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act ; the very same laws that the corporation tells us they abide by. Since you are denying access to my securities and credit, please retract my application and stop profiting off of my securities without my consent. I believe my security ( the application ) was securitized without my knowledge and consent. I have sent the CFO ( the federal reserve agent ) of Truist correspondences and tenders, specifically a Notice of subrogation on XX/XX/2023, Unauthorized Denial of Mortgage Loan and a durable power of attorney on XX/XX/2023.

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 2023-10-09 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: FL

Complaint narrative:
Ive been repeatedly dealing with the same issue for several months now and the reason why I am constantly contacting Consumer Reporting Agencies from the start, is to inform them multiple times that these incorrect and inaccurate accounts shouldn't be added nor placed on my credit report : 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 2023-10-09 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The following accounts have violated my consumer rights XXXX XXXX XXXX XXXX  : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ).

Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). 
Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. XXXX action requested, including deletion of derogatory info. 

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings.

Prompt attention and resolution expected.

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 2023-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Payment Resolution Services
State: AZ

Complaint narrative:
Wrote to company to dispute the validity of debt on XX/XX/2023 and requested further information to verify the debt, sent via certified mail signed for XX/XX/2023 at XXXX by front desk. 

I have not received any further correspondence as of today for the information I requested and as required by law 15 US Code 1692g Validation of Debts. I am asking this company via estoppel letter to remove this information from any credit reporting agencies and to stop their collection efforts.

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 2023-10-09 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The following accounts have violated my consumer rights : XXXX XXXX XXXX : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ).

Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). 
Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. XXXXmmediate action requested, including deletion of derogatory info.

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings.

Prompt attention and resolution expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: GA

Complaint narrative:
TransUnion is in violation of the Fair Credit Reporting Act, because of reporting incorrect Personal Information, and inquiries that don't belong to me. I'm unable to log in to my TransUnion credit account to view my credit report and disputes. I need to have online access to my TransUnion credit report and get updates on my disputes pertaining to my personal information such as reporting one name, one address, one phone number, and one job. Anything else is INACCURATE and needs to be deleted from my file. I provided a police report because my personal identification was compromised through the Dark web per XXXX XXXX monitoring credit company. Please see the attachments.

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 2023-10-09 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2023 I called XXXX XXXX and asked they not charge my credit card on the XXXX {$1000.00} ... .they refused .... I then called called the Wells Fargo business credit card department to stop any further charges from XXXX XXXX... XXXX suggested we cancel the credit card that XXXX XXXX was charging and then issue a new business credit card with a new account number... XXXX XXXX was unable to charge the credit card on the XXXX as it had been cancelled... I use a bookeeper that reconciles my checking and credit card accounts but she failed to bring to my attention a charge on the new credit card # XXXX of {$500.00} from XXXX XXXX on XX/XX/2023 and and a charge of {$610.00} from XXXX XXXX on the same new credit card # XXXX on XX/XX/2023 ... XXXX XX/XX/XXXX I contacted the Wells Fargo Fraud department a gave them a full picture of what had happened and suggested that someone inside Wells Fargo must have given out the new credit card #. I was told they would open a fraud situation and that some one would contact me within 2 days ... ..on Friday the XXXX I received a call from XXXX from XXXXhe " Executive Office of Fraud '' Wells Fargo and she was unaware of the facts in this situation ... .she assured me she would be the one to call me back ... XXXX, the XXXX of XXXX, I spent an hour and thirty minutes getting bounced around from department to department and finally to a XXXX in the Fraud office who told me there was no case open on my situation but that she would cancel my current card and open the case on this situation.I asked for a case # and she said she did not have one..she gave me a phone number for the fraud office of ... XXXX for me to contact someone .....

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 2023-10-09 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: FL

Complaint narrative:
Ive been repeatedly dealing with the same issue for several months now and the reason why I am constantly contacting Consumer Reporting Agencies from the start, is to inform them multiple times that these incorrect and inaccurate accounts shouldn't be added nor placed on my credit report : 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 2023-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive been repeatedly dealing with the same issue for several months now and the reason why I am constantly contacting Consumer Reporting Agencies from the start, is to inform them multiple times that these incorrect and inaccurate accounts shouldn't be added nor placed on my credit report : XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There was a hard inquiry completed by XXXX XXXX XXXX ( XXXX XXXX ) on XX/XX/23 under my identification : Trans Union reporting : best resolution is to hard inquiries remove from the Trans Union reports from XXXX XXXX XXXX - submitted XX/XX/23

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