vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NV

Complaint narrative:
I am requesting the full accounting file for both the private and public sides of the ledger for account number XXXX. The ledgers of this account will show any checks or payments made to me by Mohela that I am required to pay back. I am aware that I provided a promissory note as collateral for this transaction and the amount of the promissory note is considered is equal to the sum of what is alleged that I owe. If there is any interest made on this account, I as the account holder am entitled to all rights, interest and dividends and demand that they be released and paid to me immediately Mohela claims to be a servicer for the Department of Education which is a subsidy of the United States. However, they do not have the power to collect on behalf of the United States. The head of executive, judicial, or legislative agency are the only parties that can collect on behalf of the United States. To my knowledge, Mohela is not an executive, judicial or legislative agency. Mohela continues to send me statements asking for payment when I do not owe them anything. 

I am requesting that this company cease and desist any further communication with me through any medium including reporting to any consumer reporting agency. I wish to opt out of any further reporting of the above account. 

As this company is currently in possession of my personal non-public information without authority or consent and using the information to extort payments from me, they are guilty of aggravated identity theft. Using the personal information of another person without consent is the definition of ID Theft according to the FTC. Any further claims of money being owed to this company will result in a federal lawsuit for damages related to making a false claim, securities fraud, and defamation of character. 

I am demanding that Mohela delete all accounts reporting on my consumer report as these are unauthorized accounts and I have not provided consent for the reporting of these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit report on XXXX XXXX  when I noticed some information being reported inaccurately on my credit report on a few of the CRA agencies from inquiry to accounts, public records, negative marks. these companies have been violating so many FCR and me as the consumer. Under 15US. Code 1681 ( B ) 15 usc 1681s-2. FDCPA 15 US.Code 1692 1

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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens bank suspended my account for an " account review ''. Customer service declines to provide me any information, or provide me any access to my funds. Telling me I'd get a letter. No letter and no contact. As of now the account is open and so far they've stolen {$510.00} that has been deposited into my account that they refuse to provide me access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
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. 
I have informed XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account Number XXXX This account is reporting inaccurately. This account is showing the wrong date of last payment across all three bureaus. Please see the attached report with the inaccuracies circled. According to 15 USC 1681i ( 5 ), accounts that are reporting incorrectly are to be removed from a credit report. This account needs to be REMOVED as it is inaccurately reporting on my credit report. 


However, they have not responded to the attempts I have given to have this reviewed for inaccuracies. This should not be possible as there are many inaccuracies such as incorrect open dates, incorrect account statuses, and even fraudulent accounts listed on my report. According to 15 USC 1681i ( 5 ), as stated above, the credit bureaus are supposed to verify this information is correct and remove inaccuracies. They have failed to do so. So as stated in 15 USC 1681s-2 ( A ) (! ) 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. I am requesting a review and to have the accounts listed above DELETED from my credit reports.

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 2023-12-05 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:
I pulled my credit report on identity q when I noticed some information being reported inaccurately on my credit report on a few of the CRA agencies from inquiry to accounts, public records, negative marks. these companies have been violating so many FCR and me as the consumer. Under 15US. Code 1681 ( B ) 15 usc 1681s-2. FDCPA 15 US.Code 1692 1

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 2023-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I had {$280.00} in my CashApp account when I received {$450.00} repayment for an upcoming trip to XXXX ( XXXX XXXX XXXX US State Department ). On XX/XX/2023, I received another {$200.00} from the same person for a total of {$650.00}. After not being able to transfer my funds I contacted CashApp via the phone and was told that I couldnt receive any information and that I would be contacted via email. I received an email asking me to explain the activity in my account. I answered all the question. Since the initial interaction I have emailed with Cash App for 6 weeks answering every question and asking for an explanation of their process and timeline. I have not been provided an explanation of their process or given a timeline. I receive emails from their team asking me to provide the same information over and over again. The only way to communicate with the team is via email and they do not respond timely or answer questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have discovered that a collection account from Credit Collection Service has appeared on my report as of XX/XX/2023. I wish to state unequivocally that I have never entered into any contract or business agreement with Credit Collection Service, nor have I had any dealings with its original creditor, XXXX XXXX. 

To my knowledge, this debt is entirely unfounded, and I have not received any documentation or communication from Credit Collection Service that would substantiate this claim. There has been a complete failure on their part to provide any evidence or documentation confirming that this debt belongs to me or is valid. 

Given the absence of any such proof and my certainty that I have no association with this debt, I believe this entry is a significant error, unjustly affecting my credit score and financial standing. 

Under the Fair Credit Reporting Act, I am requesting your immediate intervention and a thorough investigation into this matter. It is critical for my credit report to accurately reflect my financial history, free from any fraudulent or mistaken entries. 

Enclosed, please find copies of my credit report with the disputed entry highlighted. Additionally, I have notified the credit reporting agencies about this discrepancy and requested their action as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: MD

Complaint narrative:
Dear Transunion : After reviewing your response to my dispute letter of charge-off account. 



XXXX. I previously disputed this account. I don't agree with the results of your investigation. Please mail me proof of your investigation or delete the negative information. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting. 



XXXX. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 



XXXX. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 



These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 



Im carefully tracking all correspondence with your company. 



I think 30 days should be long enough for your company to complete this investigation. 



Sincerely, 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 2023-12-06 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: CA

Complaint narrative:
I RECENTLY NOTICED QUITE A FEW INQUIRIES LISTED ON MY CREDIT REPORTS THAT I DID NOT AUTHORIZE. NOT ONLY ARE THEY UNAUTHORIZED, BUT THEY ARE UNJUST INACCURATE AND INCOMPLETE. I NEED THESE REMOVED IMMEDIATELY BECAUSE I DID NOT BENEFIT FROM THESE UNAUTHORIZED INQUIRIES NOR DID I CONSENT TO THESE. SOMEONE IS TRYING TO TAKE ADVANTAGE OF ME AND I WANT TO PUT AN END TO IT NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX, XXXX and experian are reporting lots of inquiries and negative accounts on my consumer report that i did not authorize or give permission to furnish on my consumer report i have not benefited from neither inquirie yet they put it on my consumer report causing damage to my life according to the FCRA unauthorized must be removed immediately according to 15 USC 1681b ( a ) ( 2 ) they must have my written instructions to furnish a report on me also 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 )

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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding unauthorized transactions on my account. I am deeply concerned about the lack of resolution and the unjust withdrawal of funds from my account, despite my efforts to communicate the unauthorized nature of these transactions. 
Account Details : Account Holder 's Name : XXXX XXXX XXXX Account Number : XXXX I discovered unauthorized transactions on my account on XX/XX/ and promptly contacted Bank of America to report the issue. Bank of America filed a claim with no : XXXX. They issued credit for few transactions on the same day and they reversed the credit within 2 days. Upon enquiring they mentioned I withdrew the claim, but I never did that. When I questioned one of the executive, he mentioned that they ( Bank of America ) withdrew that claim and reversed the credit. Subsequently, I filed a written complaint and sent a letter via fax ( copy attached ) on XX/XX/, clearly stating that I did not authorize these transactions and have no knowledge of the merchants involved. 
Despite my efforts to dispute these charges, Bank of America reopened the claim and credited my account for the some of the unauthorized transactions but later reversed the credit again, claiming that I had authorized the transactions. This is both distressing and unacceptable as I have no affiliation with the merchants in question and did not provide any authorization for the charges. 
I have attached copies of the relevant documentation, including the letter and fax I sent to Bank of America, as well as any correspondence received from the bank. Additionally, I have enclosed copies of my bank statements highlighting the unauthorized transactions.

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
Reason : ADVERSE ACTION On XX/XX/2023 I was denied an extension of credit by Discover Bank when I applied for a Discover Card. 

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691c you assume civil liability pursuant to 15 U.S Code 1691e. Discover Bank violated my federally protected consumer rights. Treating me less favorable than other applicants for any reason is discrimination. Pursuant 15 USC 1691a ( d ) It is my right to be granted credit by Discover Bank.

1 ) 15 USC 1691 2 ) 12 CFR 1002 Since the letter sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, you are also criminally liable. There is no statute of limitation on fraud. Discover Bank should strongly consider resorting to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received NO BENEFIT from my tender of collateral. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: LEXISNEXIS
State: NV

Complaint narrative:
I am demanding to opt out of any reporting of my personal or public information. I have not consented to nor authorized the reporting, housing, selling or furnishing of any information relating to me or any accounts associated with me or bearing my name. Any information whether personal or financial that you are in possession of without consent and have furnished or sold to non-affiliated third parties you are guilty of aggravated identity theft and it's causing me financial harm.

I am demanding the deletion of the public record, the bankruptcy that is currently reporting with your company as you are not able to verify the accuracy of this information. If you can verify this account, please forward me the appropriate information. Otherwise please opt me out from any further reporting of any of my information.

In addition please send me my full consumer disclosure file pursuant to 15 USC 1681g ( a ) ( 1 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am filing another complaint in response to my last complaint. I have tried and tried to have Nelnet assist me as the co-borrower and I have been told I have no rights to making decisions with the loan for YEARS. I do not have access to the online account and need it. I have requested a forbearance and have been told that I can not qualify without the primary borrower and now it is because they are commercial loans. I can not consolidate into a Direct Loan as suggested by Nelnet in a recent email sent to me because the loan is going into default. The primary borrower is now homeless and inpatient in a hospital as of Sunday XX/XX/XXXX. I am waiting for the loans to be separated which will not occur until late XX/XX/XXXX. I have been informed that other individuals in the same position as me in terms of commercially held loans have been granted an administrative forbearance for 12 months through the end of XXXX. The Ombudsman does have my case. I have applied for the split of the loans. I have continued to make my partial payment every single month for the duration of the loan and my credit is now damaged because my ex-husband failed to comply with the terms of the loan. I have no protection and for years all that Nelnet says is " Sorry ''. I can not reach a human being at Nelnet 's call center and have to wait until they contact me sporadically. Nelnet is negligent and I have been a victim of not only my ex-husband for years as well as the two student loan servicers in which I had to deal with. My rights were and continue to be violated. Nelnet has no issue now coming after me and admitted numerous times over the years that I would ultimately be held responsible despite my payment history and request for assistance. The Dept of Education and government should hold these lenders accountable like you, Nelnet. Poor and unethical business practices. I disputed my credit report after Nelnet reported the delinquency AND as a result Nelnet sent me a letter stating that I do not have an account with Nelnet. WHAT???!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: AZ

Complaint narrative:
My Department of Education account in collections was opened in XXXX and never paid on at 0 %, having nothing to do with the other secondary loan, I paid off with Dept of Edu ; these are separate accounts. However, the collections dept is reporting my debt as one and it shows I went into default in XXXX. This means my Dept of Edu account should have never reported/past/came off in XXXX and not been reported to the credit bureau because it was already in default for seven years since the day I opened it in XXXX ( because I never paid back any amount due for this loan over XXXX now ). Therefore, I am not responsible for the default of charges after seven years from being reported on my credit report, whether or not the collection agency wants to take on the debt themselves, it was already in default and should not be reported if they give the correct non payment date information as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I was trying to purchase a house and I received a copy of my credit report and found these items to be incorrect. According to act 1970, 15 U.S.C SS 1681 et esq., I demand that these items be reinvestigated and deleted from my credit report. This is defamation of character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
XXXX XXXX XXXX, Account # XXXX is being reported with inaccurate information on my credit report. FCRA law states that 100 % accuracy must be reported 1.Last Payment 2.Past Due Amount 3.High Balance 4.Account 5.Account Description

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