vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I paid this debt XXXX years ago, and the company that originally had it, XXXX and XXXX, sold it, anyway. Every few years, it gets sold down the line and another debt collection company buys it and annoys me about it for a couple of months until they give up. 

This most recent company has threatened to take me to court, even after I explained that I had proof that the debt has been paid. I told them to go ahead and file and stop calling me. They've called me three more times since then.

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 2023-11-01 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: NC

Complaint narrative:
I have no knowledge of these hard inquiries on my credit report. I did not authorize for these hard inquiries on my credit report 15 U.S. Code 1681c-2

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 2023-11-01 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: OH

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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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
Consumer complaint received 2023-11-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over XXXX  days, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have XXXX  days to respond to my dispute. 

This a violation of my 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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I called into Capital One call center to file a dispute for a charge of XXXX for a service I did not receive back in XX/XX/XXXX for car repairs. I spoke with a representative about this matter, and I inquired if it was too far out to dispute a charge like this, and she informed me that she will process the dispute and that everything should be approved. I received a credit to my account on XX/XX/XXXX for the XXXX. Several weeks went by and I thought everything was fine until I received a notification on XX/XX/XXXX that my dispute was denied due to the time that has passed and that I technically only had 60 days to dispute a charge. I called back in on XX/XX/XXXX and immediately asked for a supervisor, but was told all I had to do was send in documents so the dispute team can review these documents. I sent them in, and didn't receive a notification that they where received. I called back in for the XXXX time to Capital One call center, and asked for a manager. I was then told by the manager that there was nothing she could do and that they are not responsible for the outcome. I was told by the manager that I actually had 180 days to submit a dispute, so I kept getting different answers from different sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: NY

Complaint narrative:
I still ( as of XX/XX/2023 ) have not received a billing statement from Mohela for my federal student loan. I have called several times, starting in XXXX, to try to learn what my monthly loan amount will be. Each time I call I get a different answer. Because I was able to pay off quite a bit of my loan during the pause, my monthly payment should be less than it was before. Studentaid.gov estimates my payment at {$630.00}, and the latest estimate from Mohela is {$710.00} ( who knows why those amounts don't match up ). 

On XX/XX/XXXX, Mohela auto-debited me for {$1000.00} - my monthly amount due before the pause. When I called Mohela to complain, I was placed on administrative forbearance, which had the effect of increasing my interest rate by XXXX XXXX ( because it removed the autopay discount ). I should not have my interest rate increased because Mohela can't figure out my loan payment amount. 

On Monday, XX/XX/XXXX, the Department of Education announced that it would be directing Mohela to place borrowers who had received incorrect or late billing statements on forbearance with zero interest. I called Mohela to ask if I was being placed on this zero-interest forbearance, and the person I spoke with and their manager both had no knowledge of this DoE announcement or policy. I asked to be taken out of administrative forbearance ( restoring my auto-pay discount ) but will likely continue to be overcharged on my loan amount. Because my loan is accruing interest, I don't feel comfortable withholding payments until the problem is fixed, as that will increase the amount I pay over the life of the loan.

On my latest call with Mohela, the customer service representative I spoke with confirmed that I have not received a billing statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate mailing address and home telephone number are on my credit report. 

Please correct my home telephone number on my report to reflect the new number : XXXX Please remove the following address from my credit report : 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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate mailing address and home telephone number are on my credit report. 

Please correct my home telephone number on my report to reflect the new number : XXXX Please remove the following address from my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX MY SAKS FIRST CARD BY CAPITAL ONE BANK HAS BEEN USED WITH FRAUD CHARGES ON THEM. THE CREDITOR IS NOT DOING ANYTHING ABOUT IT AND NOW MY BILL IS XXXX BECAUSE THEY ARE TRYING TO HOLD ME RE4LIABLE FOR THESE FRAUD CHARGES. XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; THESE CHARGES WERE NOT MADE BY ME I DID NOT EVEN HAVE MY CARD IT WAS LOST/STOLEN AND FRAUD CHARGES WERE MADE I BARELY RECEIVED MY CARD XXXX WEEKS AGO FROM THE MERCHANT. THE MERCHANT IS REFUSING TO HELP ME THEY ARE NOT EVEN TAKIN THIS COMPLAINT OR ANY OTHER COMPLAINT SERIOUSLY. AND SAYING THE COMPLAINT WAS NOT FILED BY ME AND SOMEONE ELSE BUT IT IS ME I AM TIERED OF TRYING TO GET MY FRAUD FUNDS CREDITED BACK TO ME. I REALLY NEED HELP SO THEY CAN TAKE IT SERIOUS AS THEY ARE NOT AND THEY ARE NOT HELPING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: Nelnet, Inc.
State: TX

Complaint narrative:
In the past, I was always able to make my full monthly payment and apply it to my student loan group with the highest interest rates and would not incur a " past due '' on other loan groups. Now, with Nelnet, their system will not allow me to do that. I have called multiple times and had to wait on hold for 3+ hours each time. I was finally able to talk to someone who told me to just go ahead and pay my full monthly payment last month on the loan group with the highest interest rate and ignore warnings about late payments. So I did as they instructed last month and made a {$3000.00} payment applied to highest interest loan group. Now, when trying to pay this month, it says I am past due on all other loan groups, will not allow me to make a payment without paying on these loan groups, and says I now own over {$7000.00} for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against TransUnion for a potential violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Specifically, an unauthorized account was reported on my credit report, which I had previously disputed and seen removed. According to the FCRA, I should have been notified in advance if the same account was to be reported again after its removal. However, no such notification was provided.

Most importantly, I wish to emphasize that this account is unauthorized. I have already filed a report with the appropriate authorities regarding this matter. It is deeply concerning that TransUnion may not only be in violation of the FCRA but has also potentially jeopardized my financial reputation by reporting an unauthorized account. 

I kindly request the CFPB to investigate this matter and ensure that such discrepancies are rectified promptly. I trust that the CFPB will take the necessary actions to protect consumers like myself from such negligent reporting. 

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
MY STUDENT LOANS WERE ZEROED OUT AND PAID OFF FOUR MONTHS AGO. i HAVE SENT DOCUMENTATION TO BUREAUS YET MOHELA KEEPS UPDATING AS ACCURATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX victim of fraud- {$50000.00} taken from me in scam- bank said my fault New account opened Chase Bank XX/XX/XXXX XXXX XXXX Account frozen without my knowledge XX/XX/XXXX, XXXX Account closed without my knowledge Was told all monies would be returned to me on or about the XXXX of XXXX-no check sent Multiple inquiries made with chase bank- keep being told the account is under investigation and monies will not be returned as there is a possible fraud from a wire i received. 
Made many attempts to resolve the situation both on the phone and at the branch level. 
Funds will not be returned- total funds in question of mine are XXXX. 
I have insisted the wire of {$52000.00} be returned to the original sender but chase refuses and blames his bank. I have contatced the sender and his bank and they say that chase will not comply with our requests. 
This has now become a hardship for me as part of the {$6300.00} is a pay check i received on XX/XX/XXXX that was directly deposited into my account from my work is being held. 
Any assistance would be greatly appreciated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to follow up on my recent dispute with regarding unauthorized and inaccurate inquiries on my credit report that was submitted last XX/XX/XXXX that is still open and no resolution has been given as of yet. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : -- -- -TransUnion XXXX -- - XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX -- -- -XXXX -- XXXX - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2023-11-01 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: FL

Complaint narrative:
For a couple of months I have been trying to solve with this agency about the disputes so that some inquiries are removed from my report which were not authorized by me, my credit report has a fraud alert which I have kept active for more than 5 months to prevent anyone from requesting some type of product on my behalf and being affected. 

On multiple occasions I have been informed that they carry out the dispute and 24 hours after starting the dispute this agency completes the investigation without giving any reason why the information is still reported in my file. 

On XX/XX/XXXX, I found some inquiries with the XXXX XXXX in which I have not made any inquiries because I do not have relations with that bank. So I request that all the inquiries below be removed from my report. 

XXXX ) XXXX XXXX : I have no relationship with this bank, nor have I authorized an investigation so I request that it be removed from my report. 

XXXX ) XXXX XXXX  XX/XX/XXXX, do not authorize any request with this bank, so I request that it be removed from my report. 

XXXX ) XXXXXXXX XXXX XXXXXX/XX/XXXX, this recent investigation does not belong to me and I immediately called the agency and they ask me for evidence which I do not have to be able to remove such information. 

XXXX ) XXXX XXXX XXXX : XX/XX/XXXX, I have no relationship with this company so I request that this be removed from my report since it was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank frozen my checking account, investment account and is refusing to unfreeze it. 

We call several times different departments for 2 months without any solution or answer. We can not withdraw, move the money or operate in the financial market. Citibank is limiting access to my money and account. They can't even give an estimate for when they would be able to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: TX

Complaint narrative:
MY STUDENT LOANS WERE ZEROED OUT AND PAID OFF FOUR MONTHS AGO. i HAVE SENT DOCUMENTATION TO BUREAUS YET XXXX KEEPS UPDATING AS ACCURATE.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
MY STUDENT LOANS WERE ZEROED OUT AND PAID OFF FOUR MONTHS AGO. i HAVE SENT DOCUMENTATION TO BUREAUS YET XXXX KEEPS UPDATING AS ACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
MY STUDENT LOANS WERE ZEROED OUT AND PAID OFF FOUR MONTHS AGO. i HAVE SENT DOCUMENTATION TO BUREAUS YET XXXX KEEPS UPDATING AS ACCURATE.

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 2023-11-01 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: TX

Complaint narrative:
I am writing to follow up on my recent dispute with regarding unauthorized and inaccurate inquiries on my credit report that was submitted last XX/XX/XXXX that is still open and no resolution has been given as of yet. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -Equifax -- 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: NJ

Complaint narrative:
XX/XX/2023 I spoke with someone named XXXX who was supposed to fix XXXX I just spoke with someone by the name of XXXX who was very rude so I had to ask for her supervisor manager name Chase who I then reported this wrong error on my credit report. He said it was nothing he could do TransUnion. Inform me that they navigate this credit report of XXXX. This is hurting my credit score by doing this. I understand if they don't want to give me a credit increase. But they have no reason or no right to report my credit score at XXXX if my credit score 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 non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed a inaccurate public record with transunion. Public record of bankruptcy XXXX XXXX. I have never filed bankruptcy

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