vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Logged into Equifax system using my email and password to review my credit report and there is a social that does not appear to belong to me as well as addresses, date of birth, employer info etc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: FC HoldCo LLC
State: FL

Complaint narrative:
My information was leaked in an XXXX data breach which was confirmed by XXXX XXXX XXXX I have disputed this account several times requesting validation of account which the creditor refuses to provide proper documentation. The account is incorrectly being reported as a charge off account with a balance due which is a FCRA violation! The XXXX data breach confirmarion numver is : XXXX and the FTC report XXXX is : 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 2024-01-16 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: PA

Complaint narrative:
I am writing to dispute the accuracy of the information listed on my credit report that was issued by the 3 credit consulting agency. According to my review of the credit report, there are several items that are factually incorrect and need to be corrected as soon as possible. 

A previous investigation does not satisfy the fact that your issued reports shows a lot of contrary details from among credit bureaus on these mentioned accounts below : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Two-Payment History and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, and Date of Last Payment ] XXXX. XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, Payment Status, Date Last Reported and Date of Last Payment ] Thus, I am requesting that you must remove or correct the information from my credit report 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 2024-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
My federal student loan servicing company is Mohela, and I have been working toward Public Service Loan Forgiveness since XXXX. I have submitted the same request to CFPB, but given the lack of responsiveness and accountability to date I am reaching out to both Senators XXXX and XXXX and Representative XXXX. 

XX/XX/XXXXXXXX  is the 120th month of eligible payments on my 13 separate loan accounts, which would make them eligible for Public Service Loan Forgiveness ( PSLF ). The due date on my account is the 1st day of each new month. Following the end of COVID-era forbearance, I resumed payment under the SAVE plan with a monthly payment of {$160.00}. The XXXX payment ( due XX/XX/XXXX ) of that amount was made on XX/XX/XXXX, following receipt of the billing statement. The XXXX payment ( due XX/XX/XXXX ) was made on XX/XX/XXXX, following receipt of the billing statement. The XXXX payment of the same amount was made on XX/XX/XXXX, following receipt of the billing statement. 

The PSLF " Payment Tracker '' on my Mohela account reflects the XXXX and XXXX payments as being eligible and are reflected in my current count ( as of XX/XX/XXXXXXXX XXXX XXXX  ) of 118 eligible payments. XXXX is reflected as " ineligible '' for " Deferment or forbearance exists for this period. '' XXXX is not yet reflected in either, as the month is not yet complete although my billing date ( XX/XX/XXXX ) has passed. I submitted a PSLF form, signed by my public sector employer, on XX/XX/XXXX. Because this is after my payment due date ( XX/XX/XXXX ), I was advised by Mohela that this would be an eligible payment for XXXX and should have marked the 120th month of repayment and full eligibility for PSLF. 

I called Mohela today ( XX/XX/XXXX ) and following a 90-minute wait, was told that this forbearance was placed on my account after my XXXX billing statement had been issued and payment had been made on XX/XX/XXXX. I requested that this forbearance be removed, as it was not requested and a payment was made in response to the XX/XX/XXXX7 billing statement for the XX/XX/XXXX due date. 

I was told this was not possible, though the account never should have been placed in forbearance since a billing statement was issued and payment received for the month. I was advised that I could either wait for the XXXX status to be updated ( estimated date of XX/XX/XXXX according to the representative ), or make a payment in XXXX ( ultimately the 121st payment, beyond the requirements for PSLF eligibility ) and request yet another PSLF form be signed by my employer. I have met the requirements for PSLF forgiveness, and Mohela 's negligence and lack of responsiveness are unnecessarily delaying this federal benefit. Furthermore, there is no recourse for me as the borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened up a fifth third account in XXXX. Due to issues with the all the banks holding all deposits. Because of all the check frauds going on. I work for my self and have a couple clients pay me by check with fifth third. So when I opened an account they put me in express. Ive mobile deposited 2 checks. I never once requested funds immediately yet the bank did it charged me fees to make a deposit twice. Ive called called and called I was told I put in for immediate funds no I didnt. Asked for mangers to call back thats a joke no one calls back. So I go into the branch finally I opened it. Now I am told starting XXXX fifth third will charge me XXXX XXXX monthly fee and any time I make a deposit XXXX be charged. No I am not dealing with a bank who only open by charging ppls fees. Ive been with our other banks for years never ever had this problem just the hold issues which XXXX take it any day over a bank that charges me to deposit my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
Please consider this as my formal complaint to the REVVIXXXX XXXX for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/, with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report this is the fraudulent account still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NC

Complaint narrative:
My name is XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: NC

Complaint narrative:
My name is XXXX 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 explanation
Consumer complaint received 2024-01-16 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: PA

Complaint narrative:
I had a BJs credit card accXXXX XXXX XXXX  serviced by Comenity Bank. Bjs subsequebtly changed banks to XXXX XXXX. My previous complaint to you XXXX XXXX  outlined a complaint as I thought they received the money when XXXX turned over the files. On XX/XX/XXXX XXXX XXXX  I made a payment in the amount of {$500.00}. Since they no longer were servicing the account they kept the money and did not return it or forward it to XXXX XXXX Attempts by me and XXXX XXXXXXXX  to resolve this have been fruitless and all information has been provided to them. They will not talk about it on the phone and have not responded by mail. They gave me a case XXXX XXXX, which by phone they can't even acknowledge or look up yet thats how I got it from them. XXXX XXXX XXXX XXXX has been extremely helpful trying to help me resolve this. On the phone today they said they can only deal with this issue by mail! I am asking that my {$500.00} be returned or forwarded towards my XXXX XXXX BJs account. All information including the Mastercard RPPS sheet and my bank statement showing the transaction and my payment has been sent to them and you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
This letter is a formal complaint that TRANSUNION, XXXX AND XXXX are reporting inaccurate credit information in my credit report. Date of last activies, date report and high balances are different in all tree credit bereaus. Anything in my credit report have to be 100 % complete and accurate and those dates are inacurate in all three credit beraeus. 

Alleged Creditor : XXXX # XXXX Alleged Creditor : XXXXXXXX XXXX  XXXX # XXXX Alleged Creditor : XXXX XXXX XXXXXXXX This is a violation of the FCRA and I respectfully request that they remove this listing immediately.

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 2024-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
I saw a car online and contacted the dealer they ran my credit without me being there or approving it I dont know if I was denied because I changed my mind about the car since I was denied the first time they continued to run my credit and asking my boss for additional information without me knowing until after the fact they should have talked to ME and only me not someone else and they had no business running my credit multiple times knowing I would be denied I also did not see the vehicle to approve buying it what if I had gone there and the car was not to my liking or damaged they should have asked me to come in before they continuously ran my credit! 
Not right I have witless hard on XXXX  credit score and now its XXXX : XXXX XXXX because they pushed the issue knowing id probably not get approved and did not ask me to run it more than once id like this removed as I never agreed with it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Claim denied Claim ID : XXXX XX/XX/2023 Amount : {$2300.00}

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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a Citibank Mastercard. A charge was put on my credit card for 2 months of subscription from a company called XXXX XXXX XXXX. I was on XXXX XXXX  ordering physical things no problem. This company got a hold of my credit card information and charged me to subscription fees of {$54.00} each total {$100.00}. This started in XXXX. I called Citibank several times in XXXX, XXXX at least 15 times. They assured me I had nothing to worry about they were sending my complaint to their fraud and investigation department and the charge would be removed, .I called again they said they had closed my dispute in favor of the fraudulent company charge, They sent me 2-3 new credit cards so this company could not charge me any further. I dont have the charges to show you because they have removed it. I would call they would say it takes 90 days to investigate this charge I would call again they would say they would open a new dispute. On and on this went. In the mean time they said they would not charge me the {$100.00} they lied they have been withdrawing the money all along. I DID NOT RECEIVE ANYTHING NO SERVICE NO PRODUCT NOTHING. So I have now paid the {$100.00} and received NOTHING for it. I have argued and argued with them and they REFUSE to remove that charge. If this was a legit company I would receive SOMETHING would I not? They emailed me one time the name of the company. So I emailed them. They dont take phone calls they said email this address. The lady at the XXXX XXXX XXXX said she did not even know who I was! CITIBANK MC has lied to me over and over. I have NEVER had a cc company treat me this way they always remove the charge. I have never been told it takes 90 days and not listen to me at all, AGAIN why did I pay this XXXX when I NEVER received ANYTHING No service no product. I called MC again yesterday and canceled the credit card. They said that they had sent me documentation to some crazy email address that is not even mine. Ive had this credit card 16 years. This treatment is horrible and the fact they would not remove the {$100.00}.

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 2024-01-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Ref : XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint regarding the unauthorized and inaccurate reporting on my consumer credit report. This complaint pertains to the account reported by DEPT OFEDXXXX, with the following reference numbers : Experian and XXXX - XXXX ; XXXX - XXXX. 
As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), the Family Educational Rights and Privacy Act ( FERPA ), and the Privacy Act of 1974. In accordance with my rights under these statutes, specifically under the FCRA and 15 USC 6802 ( b ) ( c ) and 15 USC 1681C ( a ) ( 5 ), I am hereby officially revoking any and all consent previously granted to Experian, XXXX, and XXXX for the reporting of this account. This revocation includes consent in any form, be it verbal, non-verbal, written, implied, or otherwise. 
Moreover, I am exercising my right to opt out of reporting services, as stated under 12 CFR 1016.7, which affirms that " A consumer may exercise the right to opt out at any time. '' I demand that this account be removed from my credit reports immediately, as its presence constitutes a violation of my rights and has potentially damaging implications for my financial standing. 
The inaccurate reporting of this information has caused undue stress and could lead to significant negative consequences for my financial health. I request a thorough investigation into this matter and the prompt correction of my credit report. 
Please acknowledge the receipt of this complaint and inform me about the steps you will take to address this issue. I expect a timely resolution and an updated credit report reflecting the removal of the aforementioned account. 
Thank you for your attention to this important 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 2024-01-16 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: PA

Complaint narrative:
I am writing to dispute the accuracy of the information listed on my credit report that was issued by the 3 credit consulting agency. According to my review of the credit report, there are several items that are factually incorrect and need to be corrected as soon as possible. 

A previous investigation does not satisfy the fact that your issued reports shows a lot of contrary details from among credit bureaus on these mentioned accounts below : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Two-Payment History and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, and Date of Last Payment ] XXXX. XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, Payment Status, Date Last Reported and Date of Last Payment ] Thus, I am requesting that you must remove or correct the information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: MD

Complaint narrative:
am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX REGIONAL ACCEPTANCE XXXX XXXX XXXX XXXX. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.

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