vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After numerous attempts of disputing with the credit reporting agencies these accounts are still reporting inaccurately on my credit report. Under the FCRA law the Credit reporting agencies are supposed to 100 % report accurate information on my credit report. 
These accounts are not reporting 100 % accurately and after disputing the credit bureaus has stated they have investigated and are 100 % reporting accurately. 
XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  this collection account is reporting as an open account when it is supposed to be a closed/ collection account. 
Date of last activity is reporting inconsistent on all accounts, its highlighted on the credit report. 

These accounts reporting inaccurately are a violation of my FCRA rights and it is not allowing me to have a 100 % accurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After numerous attempts of disputing with the credit reporting agencies these accounts are still reporting inaccurately on my credit report. Under the FCRA law the Credit reporting agencies are supposed to 100 % report accurate information on my credit report. 
These accounts are not reporting 100 % accurately and after disputing the credit bureaus has stated they have investigated and are 100 % reporting accurately. 
XXXX XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  this collection account is reporting as an open account when it is supposed to be a closed/ collection account. 
Date of last activity is reporting inconsistent on all accounts, its highlighted on the credit report. 

These accounts reporting inaccurately are a violation of my FCRA rights and it is not allowing me to have a 100 % accurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
Hello, I have tried to reach MOHELA through Customer Service but this issue was not resolved because 1 ) I was hung up and 2 ) they put me through to a Supervisor and waited on hold but they had actually already closed. When you try to find an Ombudsman on MOHELA 's website there is no way to reach anyone. They used to have an Ombudsman link on their website but it has been removed. Below is an email that I tried to send but can not because they don't actually even have an Ombudsman. This email describes the horrible customer service and lack of competent employees they have answering the phones. 

This was the email I tried to send them : My name is XXXX XXXX and I have student loans through MOHELA and would like to submit a formal complaint. I recently was switched to MOHELA and tonight I called at XXXX XXXX from my cell phone ( XXXX ) and spoke briefly with XXXX. I asked a question about why MOHELA sent me a form that says I have never paid any money toward my student loans. I had requested this a month ago due to being a member of a lawsuit called Sweet vs. Cardona. As a member of this lawsuit that was WON, I am entitled to reimbursement of payments made over the years. I requested MOHELA to send me a list of these payments several times and what I received in the mail was a document that did not make sense to me and said I paid XXXX dollars toward my loans over 20 plus years which is not accurate. This evening I called to get this figured out and XXXX provided an explanation that did not make sense to me and instead of actually addressing the issue she switched the topic of conversation to telling me that I needed to switch to a different repayment plan. I am currently in forbearance due to being a member of this lawsuit which I tried to explain to her, HOWEVER instead of listening to me XXXX hung up on me and the call sent me to a survey ( 1-5 rating ) which I filled out and left a message. THIS BEHAVIOR WAS SO INAPPROPRIATE AND INACCEPTABLE. I never raised my voice or was mad at her, I simply wanted her to actually try and answer my question. It is clear that XXXX not only lacks customer service skills but is completely incompetent at her job. I am going to continue filing complaints everywhere I can find Dept of Education and other Ombudsman offices until this issue is resolved. Please advise what my next steps are. 

Again the call with XXXX occurred at XXXX XXXX ET and she hung up on me at exactly XXXX XXXX ET. I can not believe how absolutely inappropriate this kind of behavior is and that MOHELA employs people like this. Its awful and should be rectified immediately. 

Thank you. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account ending in : XXXX To Whom It May Concern : On XX/XX/2013, I made an uninformed decision when I entered in this consumer credit transaction when there was no evidence of indebtedness. The only evidence of the debt was the agreement but that agreement is null and void because i did not understand its meaning, it was not clear and conspicuous according to 15 USC 1601 ( A ). 15 USC 1602 ( K ) also states that such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Bank of America has taken of advantage of me and violated my consumer rights.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also, I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Greetings, I have tried to update my personal information with the Bureaus in question but they have failed to remove the old information after updating the new ones. there should only be one of the following NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX WA.XXXX JOB : XXXX XXXX Any other address or name should be removed. 
Section 611 of the Fair Credit Reporting Act requires credit reporting agencies to ensure that the information in your credit report is accurate, complete, and up to date. Which gives me the right to dispute any inaccurate or incomplete information in your credit report, and requires credit reporting agencies to investigate and correct any other errors.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Dear CFPB, I am writing to dispute the bankruptcy that appears on my credit report. As per the Fair Credit Reporting Act, it is my right to request correction of any inaccurate or incomplete information on my credit report. However, I believe that the bankruptcy appearing on my credit report is inaccurate and incomplete. 

I would like to point out that the Bankruptcy Court, as an information provider, does not report any information to credit reporting agencies or any other agencies. Therefore, the bankruptcy appearing on my credit report is not a result of accurate reporting. 

I request that you take appropriate action to correct this inaccuracy on my credit report, and that the bankruptcy be removed from my account as soon as possible. 

Thank you for your attention to 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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear CFPB, I am writing to dispute the bankruptcy that appears on my credit report. As per the Fair Credit Reporting Act, it is my right to request correction of any inaccurate or incomplete information on my credit report. However, I believe that the bankruptcy appearing on my credit report is inaccurate and incomplete. 

I would like to point out that the Bankruptcy Court, as an information provider, does not report any information to credit reporting agencies or any other agencies. Therefore, the bankruptcy appearing on my credit report is not a result of accurate reporting. 

I request that you take appropriate action to correct this inaccuracy on my credit report, and that the bankruptcy be removed from my account as soon as possible. 

Thank you for your attention to 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 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I had a close account with XXXX bank from about a year ago. The agent recently said that I had a negative balance wants the account clothes and I was unsure as to how that happened. XXXX wired my IRS refund to Amsher collection services and they took my refund. It was {$5400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
I called Ally on XX/XX/XXXX  at the instruction of the Arizona DMV where the car was purchased and the title resides. I asked Ally Auto to send the lien release electronically per Arizona DMV 's request and they refused not once but twice during the conversation with their customer service dept. I asked to be transferred and was refused. 

I've reached out the Arizona DMV about the refusal to submit my lien release electronically and they were shocked the Ally wouldn't comply

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX  Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCF Intermediate Holdings LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX {$1700.00} ) has violated several of my rights. 16 U.S.C 1691 section 602 A. Clearty states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U, S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: CT

Complaint narrative:
I believe this XXXX credit card paper statement I just received in the mail is fraudulent. I never applied, opened or maintain a XXXX credit card, especially one with a {$500.00} credit limit and 29.9 % apr. I never received a physical card just this first statement in the mail which states I opened the card on XX/XX/23. I can also see a hard inquiry on my transunion credit report on XX/XX/23. I have called the XXXX card number customer service line XXXX and Elan financial services which is the bank associated with the card XXXX and they both want me to confirm my social security number, address, phone number, birth date, address and account number over the phone which I am not comfortable doing just to verify my account before having them look into fraud and stolen identity. They refuse to help further despite informing them I did not open an account with XXXX and wish to have it closed 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 explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
I bank with XXXX and use online banking and their credit reporting page to monitor my credit. I received two alerts through XXXX about credit inquiries that happened on XX/XX/2023. 
The inquiries came from : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Services '' I called XXXX and opened up a complaint through them letting them know I did not recognize these and had not tried to open any new lines of credit. 
They were able to shut down the XXXX card services one since that was with XXXX, but they advised me to call XXXX to start the complaint process for the other. 
I called XXXX on XXXX, and they have started a complaint for me to delete the other inquiry. They put an alert on the three credit bureaus as well. I intend to upload this complaint to the XXXX site, and call Synchrony to dispute the XXXX XXXX XXXX XXXX and make sure that there is no account open with them.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
The following accounts are incorrect, and is affecting my livelihood. XXXX XXXX XXXX XXXX XXXXXXXX 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 I have requested validation of debt I also sent a notice of dispute attached below sent with certified mail.

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