vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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: WY

Complaint narrative:
I tried to no avail to reach Mohela by phone several times. I've written them multiple times. I asked that my payment be applied to the unsubsidized portion of my student loan. I also indicated this instruction by writing it on the check they cashed. Mohela ignored me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
My student loan balance is has been {$0.00} since XXXX and its still reporting the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been receiving emails regarding someone elses Bank of America account. This has been going on since XX/XX/2022. Bank of America will not help me close this fraudulent account. Please help me!

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 2023-11-01 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-01 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: MA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my TransUnion credit report, as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted TransUnion regarding the following discrepancies on my credit report. To date, I have not received a response from TransUnion. 

The following are the details of the erroneous information and the required corrections : The account labeled " CXXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$88.00} ) was never late. I request the removal of the late payment designation for this account. 


The account labeled " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$340.00} ) was never late. I kindly request that TransUnion correct/update this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
Spotloan interest is over 400 %, which is over the California ( my state ) limit. Additionally spotloan has made it difficult to make payments with inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
On XX/XX/2023 I was looking on XXXX XXXX and seen a post for women 's XXXX  outfits for sale so I messaged the seller about them through XXXX XXXX. On XX/XX/2023 she messaged me back and we chatted about them for a little while and I decided to buy some of the outfits because she told me that she would sell me XXXX of them for {$250.00}. I went to the Cashapp and sent the {$250.00} to her Cashapp account and then we chatted for a little bit longer and then she told me that she would let me buy the remaining XXXX outfits for {$67.00} that way she could send them to me all at the day so I went back into my Cashapp account and sent the other {$67.00} to her Cashapp. She told me to send her my address and everything so I did and she told me that after she sent them out she would send me the tracking information and we ended the chat after that. The next day I waited for a little while for her to message and she never did so I tried messaging her several times but she had done something so she wouldn't receive my messages and never got in touch with me so I went to XXXX XXXX and tried to report her account and everything but she had removed all of her information and left the group that she had posted the outfits in. When she done that I couldn't report her or the situation to XXXX. I signed back in my Cashapp account and tried requesting my money back several times and she declined them so I reported her to Cashapp XXXX XXXX and explained the situation to them and tried to file a dispute claim but couldn't and Cashapp told me that they weren't going to do anything about the situation even though I have proof of the whole situation. I didn't know what else to do so I contacted the XXXX website and explained everything to a representative and they sent me to this website to file a claim about the situation. I have proof of the conversation and the proof that I sent both payments to her Cashapp account. I also, have some pictures of the items that I paid for but never received and a picture of some people that she knows or something. Her XXXX XXXX account name is XXXX  XXXX and her XXXX is XXXX  XXXX. I have the proof of everything but it isn't letting me attach the stuff to my complaint but I will try to figure out how to send it if it is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: MA

Complaint narrative:
I am writing to bring to your attention a dispute I have with Experian concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to address the following discrepancies on my credit report. To date, Experian has not responded to my inquiry. The following details the incorrect information and the necessary corrections : The account for XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$88.00} ) has never had any late payments. Please remove the late payment notation from my credit report for this account. 


The account for XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$340.00} ) has never experienced any late payments. Please update the inaccurate information on my credit report for this account.

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 2023-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
in my request XXXX you claim you can not provide me informaation about how you report my mortgage payments to credit bureau is that correct? yes or no would be fine i dont need thanks for you request we gladly welcome your questions and then dont answer it and please identify yourself so i can have you appear for a deposition ill ask you again in XXXX XXXX XXXX of XXXX did you send any letters or corrections to me referencing that my mortgage was paid in full ending XX/XX/XXXX yes or no? and i want you to supply the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: MA

Complaint narrative:
I am writing to bring to your attention a dispute with Equifax regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted Equifax to address the following inaccuracies. To date, I have not received a response from them. Please find the details of the disputed information and the necessary corrections below : The account under the name " XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$88.00} ) was never late. I kindly request that Equifax removes the late payment from this account. 


The account under the name " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$240.00} ) was never late. I request Equifax to correct and update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: NJ

Complaint narrative:
I'm sending this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below 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 2023-11-01 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: LA

Complaint narrative:
To Whom It May Concern My XXXX credit card history has not updated on my consumer credit report since XX/XX/XXXX On my billing cycle for XXXX I had a new balance of {$3800.00} the payment was due by XX/XX/XXXX I paid the balance in full on XX/XX/XXXX from my personal bank account ending in XXXX. 

My account number thats on my billing statement and the balance latter is XXXX but the account number thats being reported to EQUIFAX, XXXX XXXX XXXX is XXXX XXXX XXXX XXXX has been reporting this inaccurate account number to EQUIFAX, XXXX & XXXX since XX/XX/XXXX. 

My credit score has been negatively impacted due to the inaccurate reporting for the past two years. 

Please ( UPDATED ) the correct account number XXXX to EQUIFAX, XXXX XXXX XXXX immediately to a XXXX balance!!! 

Also my credit card statement from XXXX has a new balance of $ XXXX I have reached out to XXXX credit card support team on several occasions for balance letters while inquiring when the credit card XXXX balance will update not knowing XXXX has been reporting the incorrect account information on my consumer credit report. It has already been 2 full months and 2 week since XXXX last update to my consumer, credit report which includes XXXX, Equifax, and XXXX. 

Ive notified XXXX support services XXXX, Equifax, XXXX through a certified letters with tracking to support my claim. 

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U. S. C. 1681s-2 et seq., including but not limited to : Accuracy and fairness of credit reporting according to 15 U. S. C. 1681 Section 602 ( a ) Reporting information with actual knowledge of errors : 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. 

Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency. 

( i ) If 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. 

( XXXX ) Duty to correct and update information : XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies * Accurate Account Number # XXXX Thats on my statements each month for the past 2 years. 

* Inaccurate Account Number # XXXX thats reporting on my consumer report for the past 2 years. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: LA

Complaint narrative:
To Whom It May Concern My XXXX credit card history has not updated on my consumer credit report since XX/XX/XXXX On my billing cycle for XXXX I had a new balance of {$3800.00} the payment was due by XX/XX/XXXX I paid the balance in full on XX/XX/XXXX from my personal bank account ending in XXXX. 

My account number thats on my billing statement and the balance latter is XXXX but the account number thats being reported to XXXX, XXXX XXXX EXPERIAN is XXXX XXXX XXXX XXXX has been reporting this inaccurate account number to XXXX, XXXX & EXPERIAN since XX/XX/XXXX. 

My credit score has been negatively impacted due to the inaccurate reporting for the past two years. 

Please ( UPDATED ) the correct account number XXXX to XXXX, XXXX XXXX EXPERIAN immediately to a XXXX balance!!! 

Also my credit card statement from XXXX has a new balance of $ XXXX I have reached out to XXXX credit card support team on several occasions for balance letters while inquiring when the credit card XXXX balance will update not knowing XXXX has been reporting the incorrect account information on my consumer credit report. It has already been 2 full months and 2 week since XXXX last update to my consumer, credit report which includes Experian, XXXX, and XXXX. 

Ive notified XXXX support services XXXX, XXXX, Experian through a certified letters with tracking to support my claim. 

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U. S. C. 1681s-2 et seq., including but not limited to : Accuracy and fairness of credit reporting according to 15 U. S. C. 1681 Section 602 ( a ) Reporting information with actual knowledge of errors : 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. 

Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency. 

( i ) If 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. 

( 2 ) Duty to correct and update information : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies * Accurate Account Number # XXXX Thats on my statements each month for the past 2 years. 

* Inaccurate Account Number # XXXX thats reporting on my consumer report for the past 2 years. 

Thank You, 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 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/31 I received a noticed In The mail stating all my banking accounts including checking, savings and credit cards were being closed without any explanation. I pay all my bills on time and have been a chase customer for almost 20 year and I have had multiple loans with them. I have regular recurring transactions with the bank nothing that would be consider suspicious just paycheck deposits, loans, loan payments, credit card payments. I dont understand why my accounts are being closed and Chase never offered an explanation or a chance for me to defend myself against any reasoning they might have to close my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since my last dispute Transunion continues to retaliate against me Transunion refuses to give me access to my credit report Transunion refuses to provide my credit score Transunion keeps preventing me from disputing incorrect items : 1-Phone Number ( XXXX ) XXXX -- - not my phone must be Deleted 2- C/O XXXX XXXX XXXX XXXX XXXX {$540.00} -- -- Not Mine must be Deleted XXXX XXXX XXXX XXXX XXXX {$970.00} -- -- -Not Mine must be Deleted While XXXX and XXXX Deleted these incorrect information Transunion Refuses to Provide Details about Validity and Authority to collect this debt.

1. My signature on the contract for this debt 2. Chain of title for this debt 3. Chain of title that gives XXXX XXXX XXXX XXXX XXXX XXXX XXXX  legal authorization to collect on these debt. 
. 
6. Any and ALL insurance claims filed on this debt 7. Original signed contract that shows I am responsible for this debt 8. My credit application for this debt 9. Provide verification and documentation about why this is a debt that I am required to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  10. Proof that you have the legal authority to collect on this debt 11. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.

12. Provide a copy of the written agreement that created my original requirement to pay? 
13. Does XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhave a debt collection license from my state? If not, say why not. 
14. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

15. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place?

16. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

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