vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
I, XXXX XXXX, am experiencing significant negative impacts on my credit score and financial stability due to numerous inaccuracies on my credit reports provided by Equifax, XXXX, and XXXX. These inaccuracies include discrepancies in account numbers, dates of activity, high credit limits, and account statuses for multiple accounts. Despite my attempts to dispute these inaccuracies directly with the credit reporting agencies, the erroneous information remains on my credit reports. 
Specifically, the disputed accounts and issues are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Discrepancies : High credit, credit limit, date of last activity, account numbers. 
- Details Requested : ** Correction of high credit values and confirmation of the date last active. 

Additional discrepancies include the dates of account openings and closings, reported balances, and payment histories. These inaccuracies are adversely affecting my credit score and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I opened PenFed Credit Union Checking and Savings accounts on XX/XX/24 with a {$250.00} new member bonus for receiving {$1500.00} direct deposit. {$500.00} direct deposit posted XX/XX/24 & {$1000.00} direct deposit posted XX/XX/24, but I have not received the {$250.00} bonus yet. I contacted PenFed and they said I did not complete the bonus requirements.

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 2024-05-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MN

Complaint narrative:
This is a follow up to to a previous complaint about direct express ( cfpb complaint number XXXX XXXX ). I was reassured that if I turned in the dispute forms before the due date I would be reimbursed for the transactions. So I turned in the dispute forms and a letter from my XXXX ( which shows XXXX XXXX XXXX XXXX XXXX  when the transactions happened ) before the due date. I was given a provisional credit for the disputed amount however on XX/XX/year> that provisional credit was reversed. This credit was reversed without any notice to me ( no email, no letter, no phone call ) and now i am facing disconnection of my utilities because I was not given any time to prepare for the lack of funds. Even though I DID NOT make or authorize the charges that I disputed. While at the XXXX  my purse was stolen and I filed a police report. I called Direct express on Friday XX/XX/year> to discuss the reversal and the women was cruel and unkind and made me feel stupid. I firmly believe that Direct Express is using my XXXX XXXX and XXXX XXXXXXXX to their advantage. They are bullies and thieves! I demand immediate action and the refund of {$290.00} that direct express has stolen from me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
Last week I received a phone call from Reliant capital solutions LLC informing me that I had a debt to XXXX XXXX in the amount of {$24000.00}. I called the school to verify that this was correct and was informed that I owe nothing. I financed my schooling through XXXX XXXX using private and federal loans with the servicer XXXX XXXX all of my loans are being paid on. I do not own this debt. I believe they have a mixed credit file. I XXXX XXXX XXXX XXXX XXXX XXXX and would not be allowed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the statue of limitations to collect is XXXX years in Florida. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: WA

Complaint narrative:
To Whom It May Concern My name is XXXX XXXX, and I am a XXXX  at the XXXX XXXX XXXX with a federal student loan serviced by MOHELA ( account number : XXXX ). I am writing to file a formal complaint regarding a persistent issue with my loan payments and unprofessional treatment from MOHELA customer service representatives. 
Since XX/XX/2024, a portion of my student loan payment has not been reflected accurately on my account. Despite multiple attempts to contact MOHELA by phone, the issue remains unresolved. 
Here 's a timeline of events : XX/XX/2024 : I made a payment of {$120.00}, but only {$64.00} was reflected on my account. 
XX/XX/2024 : I made an additional payment of {$40.00}. 
XX/XX/2024 : After no resolution, I made another payment of {$120.00} while requesting assistance. 
XXXX ( multiple calls ) : I contacted MOHELA repeatedly, receiving conflicting information and experiencing unprofessional behavior from customer service representatives, including : o Dismissive statements about my early payments ( despite wanting to avoid interest accrual ). 
o Long wait times ( XXXX hours per call ). 
o Refusal to connect me with a supervisor. 
o Inaccurate explanations, including claims that the new platform would take 90 days to reflect all payments ( contradicted by previous on-time postings ). 
o A comment about the government being " slow '' which felt dismissive and disrespectful. 
I am deeply concerned about the missing funds and the lack of professionalism I have encountered from MOHELA. My proactive approach to managing my loan shouldn't be penalized. This situation is causing me significant stress and financial uncertainty. 
I urge you to investigate this matter thoroughly and ensure the following : A complete and accurate reflection of all my payments on my account. 
A clear explanation for the discrepancy. 
Appropriate action taken to address the unprofessional conduct of MOHELA representatives. 
I kindly request a prompt resolution and a response outlining the steps being taken. I am available to provide any additional documentation needed. 
Thank you for your time and attention to this urgent matter. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-05-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Paid Off/ Closed. I just got a copy of my credit report. I noticed that you are reporting this account incorrectly. this collection account is not only reporting as PAID/CLOSED, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. please provide me a copy of my new credit report reflecting this account removed upon completion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TX

Complaint narrative:
Your agency is in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). The account XXXX XXXX XXXX XXXX was deleted, and you reinserted it without notifying me 5 business days after and certifying that the item was validated properly. I demand you to delete this item from my credit file or I will seek litigation. Please reference CFPB complaint XXXX for the initial reason for the dispute of account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

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 2024-05-22 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: IN

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have sent numerous request to XXXX to remove BANK OF AMERICA 73 Late Payment {$0.00} account record from my Credit Report because it has caused me financial harm.

I closed this account because Bank of America has refused to comply with 15 USC 1666B ,15 U.S. Code 1605, and 15 USC 1605 ( a ) to name a few. This is alarming since you have already taken action against Bank of America for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts.

My account with Bank of American was never late. This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hardship to my reputation, my character, my mode of living and to my family. That is why I closed the account and requested for the record to be deleted. 

XXXX and XXXX has removed it from my credit report already but Bank of America and XXXX seems to have difficulty complying with FCRA Regulations and Consumer Laws. 

Thank you very much for your time and assistance regarding this matter.

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 2024-05-22 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: GA

Complaint narrative:
TransUnion allegedly verified this debt as belonging to me but provided no evidence they did a reasonable investigation in the matters at hand. I do not recall receiving any documents that verified this debt. Furthermore there can be no verification because I did not have a contractual agreement with this company that would have required me to repay this debt. There has been no court ordered judgement rendered against me so I do not have an obligation to repay this debt. Transunion is using deception to damage my report because they are paid by these companies to report fraudulent information and TransUnion makes money from selling consumer reports. They are listed on the XXXX website as a publicly traded company that sells data. I never gave any such permission for this to happen.

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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Text message regarding contacting Penn Credit at XXXX about a debt. I am well aware of the very little debt that I have. There is No reason for Penn Credit to text message my phone regarding business matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
We have an IKEA Visa credit card account with Comenity Bank for which we were trying to pay {$12000.00}. We mailed by 2nd day USPS priority mail the first check on XX/XX/24 with a copy of our account statement. Comenity Bank returned it, claiming we were missing info on the check. We reissued a check by mail on XX/XX/24 and we are now 10 days out with no indication of payment to our account. This appears to be a systematic delay in payment clearance in an attempt to charge additional daily interest. We have already paid over {$460.00} so far in interest on the balance we wished to pay a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TX

Complaint narrative:
I sent Experian a dispute letter last month informing them that there is a medical violation on my credit report for accounts XXXX and XXXX. The original creditor is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information. I never signed any disclosures or permitted my personal information to be shared. This collection company/debt collector does not have permission to furnish this alleged debt. I have no binding contract with them, and Experian failed to do their due diligence. I am protected under HIPAA laws. XXXX has removed these accounts from my credit report. Please see the attached dispute letter which is dated, and time stamped and remove the following accounts : 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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX CELTIC BANK/CONTFINCO XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2024 Subject : Request for Goodwill Adjustment - Account : CELTIC BANK/CONTFINCO XXXX Account Number : XXXX Dear CELTIC BANK/CONTFINCO, I am writing to address the late payments reported on my most recent credit report for my CELTIC BANK/CONTFINCO account, with the account number XXXX. I acknowledge the importance of timely payments and understand the challenges it presents to your operations. 
I want to bring to your attention the circumstances that led to the missed payment on my account. Unfortunately, I experienced severe illness and hospitalization, resulting in missed payments. These late payment remarks have adversely impacted my life, causing missed job opportunities and preventing me from closing on a home for my family, all exacerbated by the challenges posed by the XXXX pandemic. I sincerely apologize for any inconvenience caused and want to assure you that steps will be taken to prevent a recurrence. 
I recognize the responsibility for these late payments lies with me, and I deeply regret the situation. I value our business relationship and have committed to ensuring timely payments moving forward. 
Considering the challenges I faced, I kindly request your understanding and goodwill in removing the late payment remarks from my credit reports. This gesture will significantly contribute to rebuilding my credit score and maintaining a positive standing with your company. 

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 explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
To whom it may concern, Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S I am writing to file a complaint against XXXX XXXX XXXXXXXX XXXX for engaging in debt collection activities within the state of Missouri without the appropriate licensing. According to my records and research, XXXXXXXX XXXX XXXXXXXX XXXX does not hold a valid license to collect debts within the jurisdiction of Missouri. 

This unauthorized collection activity violates the laws and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) as well as Missouri 's specific regulations regarding debt collection practices. I believe this conduct is unacceptable and warrants investigation and appropriate action by the CFPB. 

I request that the CFPB thoroughly investigate this matter and take necessary steps to ensure that XXXXXXXX XXXX XXXXXXXX XXXX ceases its unauthorized debt collection activities within Missouri. Additionally, I urge the CFPB to impose appropriate penalties and sanctions on XXXXXXXX XXXX XXXXXXXX XXXX to deter similar violations in the future. 

Furthermore, I would like to request that the CFPB keep me informed of the deletion progress of this investigation and any actions taken against XXXXXXXX XXXX XXXXXXXX XXXX to delete all credit reporting immediately. 

Also, for every violation I request to be paid for Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: SC

Complaint narrative:
On XX/XX/XXXX I notice that Equifax and XXXX are reporting credit inquiries on my report that I didn't authorized nor did I benefited from. I DID NOT authorize the companies to make any inquiries or view my report. 

I did not give you Equifax or XXXX permission to furnish this information to my report. This violation the Credit Report Act section 1681b ( c ) and constitutes as fraudulent activity and is also a serious breach of the privacy act of 1974. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
The mortgage company ( Shellpoint ) is claiming Im the co borrower on a mortgage with the former owner who died in XXXX. I purchased the home in XXXX. My name supposedly appears in XXXX as a co borrower. Shellpoint does have my correct XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation