vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been made aware that you are not eliminating items, even when they are submitted with an FTC fraud report # XXXX. This marks my third complaint regarding identity theft, and I am submitting this to contest the items listed in my file following the crime, as per the bureau. The disputed items are unrelated to any transactions involving the acquisition of goods, services, or money that I have authorized. Kindly expunge the reporting of these items from my credit file, which stemmed from an alleged identity theft : XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ***********XXXX  : XXXX XX/XX/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 2024-01-04 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: TX

Complaint narrative:
I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward.This is a violation of 15 USC1681 B : permissible purpose of consumer reports and must be deleted immediately. XXXX XXXX XXXXXXXX XXXXExperian, XXXX XXXX  XXXX Experian, XXXX XXXX XXXX XXXX Experian

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 2024-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX Fay Servicing received a payment from an assistance agency XXXX XXXX XXXX XXXX ) totaling {$5400.00} in response to a demand letter. The check was never applied to my account and could not be located. I called Fay on XXXX and was told the check was mailed back to me on XX/XX/XXXX because the payment needed to be in the form of certified funds. I contacted the assistance agency who promptly overnighted a cashiers check for {$5400.00} which was signed for at XXXX on XXXX. The payment has not been applied to my account. This is ridiculous and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
In XXXX of XXXX, several of my student loans were approved for discharge due to Borrowers Defense. The discharge of these loans is still pending. Until these loans are discharged, my student loan account should be in forbearance. This has been communicated to Mohela on several occasions by me and by The Department of Education. My loan has been in repayment since XXXX of XXXX and should not be in repayment. They also had my repayment amount at over {$900.00} on the SAVE plan, which was calculated incorrectly. It is currently in repayment and should be in forbearance due to the pending discharge through Borrowers Defense. We have called Mohela numerous times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and requested the forbearance and sent numerous written communication with attachments from The Department of Education. We have contacted the Borrowers Defense department through Student Aid and they have indicated they have sent numerous communications to Mohela, all to no avail. A complaint was filed with Student Aid and they indicated again they loans should be in forbearance until the discharge is processed and that has been communicated to the servicer. The most recent letter was sent to Mohela and received by them on XX/XX/XXXX and again no response or action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$250.00}.

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 2024-01-04 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$250.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I ask for help to put my mortgage back on track. The offer was trial period and then i will be back on track. The issue is they want me to place lien for XXXX on my property. This will hinder me from refinance or taking a heloc.I felt placing the XXXX on back of mortgage will be suffice. A lien wll put a note on my home and will hinder me from utilizing my sweat equity The help is not helpful. The economy and inflation and daughter in XXXX  cause me to have small set back. enclosed is the documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/23, I tried to open an additional checking account with JP Morgan Chase as I was trying to set things up so when my fianc and I go into the branch, it would be easier since the accounts would be open. I got an email saying they were reviewing the account. The next day, I got a rejection email followed by several emails saying that many of my automatize expenses were no longer tied to my account. Also, I was locked out of accessing my accounts online. I called Chase and they hung on me so I went into the branch and the VP of the branch was able to assist and open everything. As I was leaving, I received an email stating my new checking account was created and I could deposit funds into it. I move XXXX dollars in it and did nothing else. On XX/XX/23, in the late morning, I tired to log on through the app and I got the same error message about how my account was locked. They claim it was due to " Unusual activity. '' I went into the branch immediately and was there for 3.5 hours. They told me they had no info other then JP Morgan Chase was closing my checking account and saving account but not my investment account with them. I asked why and they would not tell me. I told them I want my money and I had to fight to drain my accounts. They were trying to deny giving my money to me. I asked for my money from my investment account and they gave me a number to call. When I called the number, I was told They could not do anything. I ended up having to figure out how to pull my money from an outside bank since they refused to give me my money. They kept telling me to move it myself through the app which they restricted me from. So instead of spending the day after XXXX with family, I had to spend all afternoon dealing with this. This has costs me tons of stress, has costs me money, and costs me massive headaches for reasons they refuse to share with me. I was told I would receive the reason in the mail. The letter came and says there seems to be fraudulent activity and call a number to help keep my funds secure.. It is the number that would not tell me what's going on from the beginning and refused to give me my money when I asked for it. What a joke. Chase is the fraudulent activity in this situation and I want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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:
My info was sold and bought illegally because I was a victim of the Equifax day to breach I want these items deleted off my credit report effective immediately I am attaching proof that Equifax has admitted I was in fact a victim of this data breach and Equifax has done nothing please help me delete these illegal accounts from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am here once again to dispute the late payment account that is being reported on my credit report. The account in question is as follows : XXXX XXXX XXXX XXXXXXXX. I have reached out to XXXX XXXX  regarding the validity of the debt, but they did not provide any proof. As I am looking over my credit report, I have noticed that this account is being incorrectly reported as a late payment account with a balance due. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. I urge you to take immediate action on this matter and conduct a thorough investigation to ensure that my credit report is accurate.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been made aware that you are not eliminating items, even when they are submitted with an FTC fraud report # XXXX. This marks my third complaint regarding identity theft, and I am submitting this to contest the items listed in my file following the crime, as per the bureau. The disputed items are unrelated to any transactions involving the acquisition of goods, services, or money that I have authorized. Kindly expunge the reporting of these items from my credit file, which stemmed from an alleged identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the accurate reporting of information on consumer credit reports. I urge your bureau to adhere to the FCRA guidelines and conduct a thorough investigation into the legitimacy of these newly reported fraudulent accounts. It has come to my attention that despite your previous efforts in removing fraud accounts, new instances have emerged, adversely impacting my creditworthiness. I question why your bureau is allowing the reporting of unverified fraud accounts, tarnishing the accuracy of my credit report. 
XXXX XXXX XXXX XXXX XXXX, PLEASE DELETE!!! 
I would appreciate your assistance in providing detailed verification of the accuracy of the reported fraud accounts within the statutory 30-day period.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On or around XX/XX/XXXX, I discovered that on my Experian credit report, my student loan ( approximately $ XXXX ) was mistakenly shown via two separate Department of Education loans ( one with XXXX  and one with XXXX ) and I submitted a dispute on their website. The other XXXX credit reporting agencies do not ( mistakenly ) have the XXXX loan designated as open like Experian ; nor is the total student loan balance double the actual amount as it is on the Experian credit report. 

The XXXX loan was transferred to XXXX effective XX/XX/XXXX. XXXX sent me notification of the transfer of the loan to XXXX, confirmation that the XXXX loan has a XXXX balance ( due to the transfer ) which confirms that the XXXX loan is closed. Experian responded to my dispute by verifying the information I submitted was accurate, but Experian failed to correct the inaccurate information my credit report by closing the XXXX loan. Instead, Experian took some other action ( adjusting the initial balance of the XXXX loan ) which is irrelevant and unhelpful because the loan needs to be designated appropriately as closed/transferred. 

On or around XX/XX/XXXX, after a follow up call to Experian during which I explained these circumstances to no avail, I submitted the two documents from XXXX described above to substantiate my claim in a second dispute. On XX/XX/XXXX, Experian responded by informing me again that they verified that the information I provided was accurate. However, once again, Experian failed to correct the inaccurate information by designating the XXXX loan as closed/transferred which is apparent from the documents from XXXX as well as my loan payment history. 

Experian is ignoring the obvious, that the loan I had with XXXX is closed due to the transfer to XXXX. As a result, I am impacted by the impact of this inaccurate information, and Experian has not been helping despite my multiple attempts to update my credit report even though they acknowledge the information above is accurate.

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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which I believe have been included in error. I demand that you investigate and rectify this situation with utmost urgency and aggression. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

Upon reviewing my credit report, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an alarming breach of my financial security. 

XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

It is imperative that you delete these fraudulent accounts from my credit report immediately, as they are tarnishing my creditworthiness and causing me undue distress. I expect you to exercise due diligence in this matter and resolve it in the shortest time possible. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate and fraudulent information be promptly corrected. Failure to comply with these regulations will result in legal action being taken against the credit bureau. 

I insist on receiving regular updates on the progress of your investigation and the actions taken to remove the fraudulent accounts from my credit report. Any delay or negligence in addressing this matter will be considered a violation of my consumer rights. 

Please treat this dispute with the urgency and severity it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was at the ATM machine on XXXX XXXX XXXX in XXXX Texas the machine number is XXXX and the machine took XXXX XXXX dollars from me I was trying to get it back but it wouldn't let me that's my rent money all I got was XXXX I have the receipt in the time it was at XXXX XXXX I didn't see a selection for ATM taking your money

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I trust this letter finds you well. I am writing to bring to your attention the ongoing issue of fraudulent items on my account with your company. Despite numerous attempts on my part to address and rectify this matter, I have faced significant challenges in having these fraudulent items removed from my records. 

The presence of fraudulent items on my account not only poses a serious threat to my financial well-being but also undermines the integrity of your company 's services. I am deeply concerned about the potential consequences of these inaccuracies, and it is disheartening to experience a lack of responsiveness in resolving such a critical matter. 

I urge you to conduct a thorough investigation into the fraudulent items on my account and take immediate action to rectify this situation. Furthermore, I request a detailed explanation for the delays in addressing this issue and seek your assurance that appropriate measures will be implemented to prevent similar incidents in the future. 

If this matter is not resolved within the exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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:
I trust this letter finds you well. I am writing to bring to your attention the ongoing issue of fraudulent items on my account with your company. Despite numerous attempts on my part to address and rectify this matter, I have faced significant challenges in having these fraudulent items removed from my records. 

The presence of fraudulent items on my account not only poses a serious threat to my financial well-being but also undermines the integrity of your company 's services. I am deeply concerned about the potential consequences of these inaccuracies, and it is disheartening to experience a lack of responsiveness in resolving such a critical matter. 

I urge you to conduct a thorough investigation into the fraudulent items on my account and take immediate action to rectify this situation. Furthermore, I request a detailed explanation for the delays in addressing this issue and seek your assurance that appropriate measures will be implemented to prevent similar incidents in the future. 

If this matter is not resolved within the exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation