vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: SC

Complaint narrative:
I tried several tiimes to fixed this problem I'm sending dispute letter but the 3 creddit bureaus alway refused my letters. I ready feel stress regarding this problem Please delete the following inquires below. Please make an action or else I will file a case. 
Here 's the list of the unauthorized inquiries I want to delete asap XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: VT

Complaint narrative:
This is the THIRD complaint I am sending due to my student loan servicer, MOHELA being completely incompetent at handling my loans. I have 3 payments that have been sent from XXXX to Mohela, XXXXwo ( 2 ) payments were for {$300.00} and one ( 1 ) payment was for {$3500.00}. These payments have been cashed by MOHELA since XXXX. It is not XXXX and I have not seen any of these payments applied to my student loans. This impacts my life greatly and MOHELA does not seem to care about that at all. 
I have called MOHELA about this several times, I have uploaded the check copies to my MOHELA servicer portal for them to have as evidence and I have reached out to my congressperson 's office. None of these things have resulted in get anywhere and I am increasingly getting frustrated. MOHELA recently transitioned my loans to a new portal and by doing so none of my past loan payments show up. Who knows how long that will take for MOHELA to correct as well. 
I am looking for this company to ACKNOWLEDGE this issue and to apply my payments to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: SC

Complaint narrative:
I tried several tiimes to fixed this problem I'm sending dispute letter but the 3 creddit bureaus alway refused my letters. I ready feel stress regarding this problem Please delete the following inquires below. Please make an action or else I will file a case. 
Here 's the list of the unauthorized inquiries I want to delete asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11 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: SC

Complaint narrative:
I tried several tiimes to fixed this problem I'm sending dispute letter but the 3 creddit bureaus alway refused my letters. I ready feel stress regarding this problem Please delete the following inquires below. Please make an action or else I will file a case. 
Here 's the list of the unauthorized inquiries I want to delete asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I wrote a {$1000.00} check to attorney XXXX XXXX for legal fees. On XX/XX/year> I was searching for a loan, I received a call from a company pretending to be XXXX XXXX. I was told I was approved for the loan however in order to get the loan I needed to insure the loan and enroll in a credit repair program due to my low credit score. I was told they would transfer the funds to my bank account to cover these fees however I needed to purchase One debit cards from XXXX and load the funds to the card and provided them with the card information. By the next morning I realize I was scammed I called the bank and informed them I had been scammed they informed me the scammers called in and canceled the {$1000.00} check, the bank re-issued the funds back to my account within minutes of the scammers call, I had assumed XXXX XXXX had deposited the funds to cover the insurance and credit repair program but that's not what happened, they phone in and canceled the check pretending to be me. Now Wells Fargo bank won't reimburse me. On XX/XX/year> Wells Fargo took my funds in the amount of {$500.00} to cover the fraudulent mobile deposits they were fictitious check. I was also told I am responsible for the fraud and there will be no refund and if they charge the funds back to XXXX XXXX I will be responsible for the {$1000.00} and they will take the funds from my account. I feel the bank should have verified I had canceled the check before reversing the fund as I have never canceled a check since I've had the 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 explanation
Consumer complaint received 2024-06-11 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent my XXXX data breach claim number XXXX and XXXX regarding accuracy of this debt each company especially XXXX who has breach my personal information in previous complaint thru CFPB complaints

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 2024-06-11 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: NY

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On XX/XX/year>, I used XXXX to start applying for places to live, along with my partner. As part of this process, I paid XXXX {$35.00} for background and credit checks. 
On XX/XX/year>, we were notified by a potential landlord of a problem with our application. The landlord mistakenly thought that I'd applied for XXXX XXXX XXXX XXXX XXXX XXXX  which I've never done. Upon further inquiry, it was revealed that the landlord was relying upon the credit check data provided by XXXX. 
On XX/XX/year>, I conversed with a XXXX customer service representative to do two things : 1 ) demand a reinvestigation into how the incorrect data got onto my consumer report and 2 ) get the incorrect data removed from that report. I was informed that XXXX uses two other companies, Experian for credit-related information, and XXXX  for public records-related information. XXXX refused to conduct a reinvestigation, claiming it was only the platform and therefore not responsible for the inaccuracies. However, a month prior, I'd pulled credit reports from all three nationwide CRAs, including Experian. My Experian report has not and never has had anything related to bankruptcy. 
On XX/XX/year>, I sent a dispute letter to XXXX, demanding a reinvestigation and deletion of the improperly noted accounts ( i.e., the accounts with a notation indicating bankruptcy ). I have not heard back yet from 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 2024-06-11 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
" On the XXXX of XXXX, XXXX, I was offered a {$100.00} bonus by Citibank while I was online on my XXXX account. The offer required me to make two consecutive direct deposits of {$250.00} each into my checking account, which had a XXXX balance at the time. The terms stated that upon completion of these deposits, the {$100.00} bonus would be credited to my account within a span of 30 days. 

However, even after meeting the stipulated requirements, Citibank is now refuting the existence of such an offer. 

This is not the first instance of such an occurrence. This is the second time that Citibank has reneged on their bonus offers extended to me. 

Previously, I had to resort to filing a complaint against Citibank to rectify their refusal. Now, I find myself in a position where I am compelled to file another complaint for this offer. 

This seems to be a recurring issue with Citibank and calls for a more thorough investigation into such practices. ''

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 monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: NV

Complaint narrative:
I have a dispute with XXXX XXXX regarding this debt being expired. Instead of them correcting the error they went an updated the account with an unverified delinquent payment date to continue to report after the 7 years statute of limitations have expired for this debt. This is an intentional error and they have not corrected or provided proof of debt as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: NV

Complaint narrative:
I have a dispute with XXXX XXXX regarding this debt being expired. Instead of them correcting the error they went an updated the account with an unverified delinquent payment date to continue to report after the 7 years statute of limitations have expired for this debt. This is an intentional error and they have not corrected or provided proof of debt as requested.

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 2024-06-11 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I CALLED TO GET INFORMATION ON BUSINESS TYPES OF FUNDING LIKE CREDIT CREDIT BUSINESS CREDIT CARDS LINES OF CREDIT FOR THOSE WHO ARE NEW TO COMMERCIAL WHEN IT COMES TO PROPERTY AND AND HOUSING PROBABLY BEFORE BUT DURING COVID NO DURING XXXX  IT WAS GOING ON WHEN EVERYTHING WAS SHUT DOWN I'M AFTER THE FACT DURING THE FACT THERE WAS FINANCIAL SINUSES OF FINANCIAL MONEY MADE OF FINANCIAL MONEY MADE OF FINANCIAL MONEY MADE AVAILABLE TO NEW OWNERS WHETHER IT'S BUSINESS AND PERSONAL WHEN OPEN MY ACCOUNT WITH WELLS FARGO I ALREADY DID MY RESEARCH AND I FINALLY GOT A COMPANY BEFORE COVID ACTUALLY SHOULD STARTED INFORMATION ON HOW TO FIND OUT WHAT'S GOING ON WITH CREDIT AND HOW TO GET THOSE DISPUTED LETTERS IN AND IT WAS WITH XXXX XXXX AND THE GENTLEMAN WHO INTERVIEWED THE MAN WHO WAS OPPOSED ARMS BEGAN XXXX XXXX THAT'S NO LONGER WITH US AND I'M A PART OF THE COMPANY AND OUR CRAZY SECRETS THEY HAVE THE PERSONAL IN THE BUSINESS INFORMATION EDUCATIONAL BOOKLET AND YOU BECOME A PART OF THEIR FAMILY AND I'M SIGNED UP WITH THEM THIS IS HOW I WAS ABLE TO TACKLE SOME THINGS TO FIND OUT WHAT WAS REALLY GOING ON AND IT WAS A PLAY ON WORDS AND I DON'T UNDERSTAND I FIGURED OUT WHEN THAT REALLY ALMOST MISSING IT THAT THE BANKS THE CREDITORS ARE MAKING MONEY BEYOND THE PERSON THEY MAY SAY OH THE MONEY ESPECIALLY IF IT'S REALLY GOOD CREDIT CUZ MINE IS GOOD ANYHOW I WAS TOLD THAT I WASN'T ELIGIBLE FOR THE BUSINESS BUILT RENT CREDIT CARD I WASN'T ELIGIBLE FOR THE WORKING CAPITAL BUSINESS LINES OF CREDIT PRETTY SURE NOT ELIGIBLE FOR ANYTHING BUT THAT'S IMPOSSIBLE BASED ON WHAT I READ THEN I COULDN'T HAVE THE BETTER ACCOUNT DUE TO THE BASICALLY BASED ON HOW MUCH MONEY YOU HAVE IN YOUR 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 explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-06-11 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:
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.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 2024-06-11 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:
In accordance with the fair credit reporting act XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

FCRA section 605 ( a ) ( 5 ) generally prohibits the reporting of any adverse item of information... which antedates the report by more than seven years.

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 2024-06-11 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: 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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