vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I Filed identity theft and I have been in an ongoing data breach and I've been heavy inquiries that I never took part of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.Please delete the items as soon as possible.

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 2024-06-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX I went an an atm and tried to withdraw {$280.00}. The atm shut off and did not give me my money and I called cash app and they hung up on me and tell me they are closing my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Constantly emailing and spamming

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-06-22 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I do not owe this balance from TD or any collection agency of {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In the mail, I received a letter from Chase and XXXXXXXX XXXX stating that I applied for an Amazon XXXX Visa XXXXXXXX account. I did not do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has violated FCRA, TILA & other lending laws such as the FDCPA, claiming that I need an " upgraded subscription '' to produce up to date credit report results, by paying for a premium subscription through the past year and a half, charging my XXXX XXXX, my XXXX XXXX & now a seperate card for a " trial ''

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 2024-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MEMBER FIRST MORTGAGE, LLC
State: MI

Complaint narrative:
In XXXX of XXXX I lost my job where I was making {$44.00} per hour. Due to XXXX XXXX XXXX  I had to leave that job. I was out of work until XX/XX/XXXX and began making {$22.00} per hour. I contacted my mortgage company ( Member First Mortgage ) MFM in XXXX of XXXX and advised them of my financial hardship, they sent me the hardship application packet where I completed it and submitted all of the required documents ... they denied me and said the mortgage is too new. I began pawning and selling personal belongings out of my home to try to keep up with my mortgage payment I even sold my XXXX XXXX XXXX. In In XX/XX/XXXX I applied for a forbearance hardship and once again completed a hardship package and provided all documents including approval document from the state of Michigan showing proof I was receiving food assistance. MFM once again denied me with no explanation. I have missed my XXXX XXXX payment as I am struggling to pay my full mortgage of {$1600.00} per month along with keeping my utilities going, my phone service, buy food, pay for XXXXXXXX expenses as well as personal items such as toothpaste, toilet tissue, dog food dish detergent etc. I am clearly qualified for a forbearance due to my income being cut in half since I took out the loan with MFM. They are not trying to work with me and have added to the stress that I already have. I am not sleeping and my health is suffering even more so because I am worried about losing my home that I have invested in and owned since XXXX. I am XXXX XXXX ( XXXX ) years old and should I lose my home I will be out on the streets another person added to our societies homeless count because I would not have any place else to go. I was simply asking MFM to either lower my payments or assist me in any way they can and they flat out denied me. My furnace went out at the end of this past winter and now my A/C is out. I cant even afford to get those replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to address an issue concerning an account listed on my credit report. The account in question, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve 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 non-monetary relief
Consumer complaint received 2024-06-22 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: VA

Complaint narrative:
I am writing to address an issue concerning an account listed on my credit report. The account in question, XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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 2024-06-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my credit report and noticed fradulent accounys on 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 2024-06-22 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: NY

Complaint narrative:
I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, UPDATE to PAID AS AGREED my consumer report. 

ACCOUNT : XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be UPDATED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please UPDATE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> I counted and placed XXXX new XXXX dollar bills into atm. The machine went into error and kept my card and money. No staff wanted helped me. Finally someone behind the counter touched the machine then walk away. The machine gave me an error receipt with NO ACCOUNTING my card and {$400.00} of the {$1000.00} dollar which I waited in line and deposited. The branch would not contact any customer service for me so I remained in the bank XXXX more minutes trying to report that the machine never returned my {$1000.00} dollars. The branch manager said she would try to escalate a temporary credit due to the bank not owning the machine. On XX/XX/year> I received {$1000.00} temporary credit. On XX/XX/year> I had a balance of {$200.00} with a {$72.00} payment pending, the bank nsf my payment and overdrawn my account {$790.00} .which i immediately came and deposited {$1400.00}. I asked them to investigate and waited another XXXX weeks to receive a call from the branch manager on XX/XX/year> that the atm service claims the machine was not out of balance and believe all cash was returned.

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 2024-06-22 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: PA

Complaint narrative:
Borrower Defense Application XXXX - XX/XX/XXXX I received a letter from the Department of Education alerting me that me student loans will be discharged in accordance with Exhibit C of theXX/XX/XXXX XXXX lawsuit that I was a full class member of due to the date of submission of my XXXX XXXX XXXX and the school I attended was on the list of for profit institutions that were being accused of misleading students in their loan applications and job placement assistance. 

I was also a part of the XXXX program and my loans were transferred from first Aidvantage to XXXX in XXXX, then from XXXX to Mohela in XX/XX/XXXX. I applied or XXXX XXXX on XX/XX/XXXX through a third party called XXXX XXXX XXXX which charged me XXXX to file a borrower defense and then input the wrong dates during submission. I attendedXX/XX/XXXX from XX/XX/XXXX through XX/XX/XXXX while taking a semester off around XX/XX/XXXX. My notes reflect the correct dates in the XXXX XXXX XXXX XXXX XXXX XXXX application was approved and as of XX/XX/XXXX my student loans are paid off and off my credit report, however I only recieved a {$200.00} check from XXXX for a payment I made them, and not the {$4700.00} I paid through XXXX when I was under the XXXX program. XXXX never transferred my loan payment history to MOHELA, and I never paid anything to MOHELA due to being in Forebearance from XXXX until the loans were paid off in XXXX, and there never had a payment history with MOHELA. 

When I go through the payment history from XXXX they show that amount of {$4700.00} was refunded to me, however instead of issuing a check to me, MOHELA instead applied the refund to the loan balance and lowered the loan balance instead which is in direct violation of the instructions from XX/XX/XXXX XXXX who is presiding over the XX/XX/XXXX XXXX XX/XX/XXXX. All refunds are to be issued in check form from the Department of the Treasury unless a borrower wants it applied in another format. 

I have attached my Borrower Defense Application, XX/XX/XXXX History, and my XXXX XXXX XXXX letter.

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