vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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: WA

Complaint narrative:
I was approved for TOTAL PERMANENT DISABILITY DISCHARGE '' in late XXXX XXXX. The amount of XXXX was discharged to XXXX  and reported by XXXXDEPT. OF EDUCATION AND/OR XXXX. Subsequently, all 3 Credit Reporting Agencies were informed, yet EQUIFAX continued to report ( inaccurately ) that this loan is still open, and I owe a total of {$10000.00}. I have made repeated phone calls to EQUIFAX disputing the erroneous information they are reporting on my personal credit file. EQUIFAX has asserted the information that remains unchanged on my credit report is based on their investigation with THE DEPARTMENT OF EDUCATIONXXXX XXXX This issue has been unresolved since XXXX. As a result of this inaccurate information, I have had to pay higher interest rates on everything from a small auto loan, credit card companies, personal loans, auto insurance and a preliminary option to rent-to-own the townhouse I am currently living in. The undue stress, XXXX  and embarrassment has impacted me physically and financially. I am hereby requesting that this " error '' be reported truthfully to ALL CREDIT REPORTING AGENCIES. Especially, to EQUIFAX who has stated repeatedly, the information is based on their investigation of THE DEPT. OF EDUCATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/2023, I contacted chime at XXXX. A male voice stated " thank for calling chime, how can I help you ''? I stated " I would like to discuss my direct deposit because I don't see and employer verified it was deposited to my account. '' The male who presented himself as Chime customer support agent stated. " Can I have your first, last name and last XXXX digits of your social security. '' I provided the information. He said " is it OK if I place you hold? '' I said " that's fine. '' I was placed on hold, when male returned he stated " oh, I see the problem your not connected to the server. '' He then stated " I'm going to have to go into goggle play store so I can reconnect you to the server, then you'll have full access again. '' I followed his directions, next thing I know I could see a cursor moving around, then I saw him typing in email addresses. When I said " why are you doing that He hung up on me. I went back to my recent call log to redial chime It provided me with XXXX XXXX XXXX XXXX and the chime number was gone. I had someone else to dial chime and I reported what happen. I was informed that my account was hacked and someone took control of my phone. I was informed I would get an provisional credit on XX/XX/2023. Something told me to call chime, due dispute stauts was now missing from chime app. I was told my claim was denied in less than 24 hours. I've filed 2-3 rebuttals, I provided a written statement, the email addresses that showed where the money went, a police report number, police officer name and badge number. A screen shot of the chime app page showing the email addresses. With each claim a decision was made in less than 24 hours. After speaking with 2 separate dispute supervisor 's who informed me that it was definitely fraudulent what took place. They assured me I would have my money returned. However, my claim continues to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: CA

Complaint narrative:
I filed a complaint through this portal asking them the following : Equifax credit report pulled on XX/XX/XXXX XXXX XXXX  ACCOUNT : *shows closed and delinquent as of XXXX this is incorrect *shows delinquency first REPORTED is XX/XX/XXXX instead of DATE OF FIRST DELINQUENCY .other two credit reporting agencies have date of FIRST DELINQUENCY XXXX which is correct * Can not even see a removal date so removal date is past tense as evidenced by another page in the same report as COLLECTIONS= YOU CURRENTLY HAVE NO COLLECTIONS! 
EQUIFAX RESPONDED : they say they can not identify me by my full name, address, social security number. Right. 
So they send me a letter asking for all kinds of document copies to be sent through the us post office. I will be sending the identification documents both here and through the mail. I am a XXXX XXXX. Now do all XXXX XXXX have a printer? A photo copy machine, the ability to go to the post office to send a registered mail return receipt which costs more money? I think this is very unfortunate that they are asking for snail mail instead of a convenient upload on a computer. So I am uploading the documents and noting the inconvenience to XXXX XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: FL

Complaint narrative:
In XX/XX/XXXX, I was under the impression that I needed to submit a new XXXX verification to resume student loan payments in XXXX and, as such, I submitted my application to mohela. They denied my application stating that my new payment would be higher. 

I then asked for a letter regarding my payment amounts so I could submit it to my mortgage company as I am in the process of buying a house. They provided me with that letter and stated my payment amount was valid until XX/XX/XXXX. 

Shortly thereafter mohela increased my loan payment without any pending application before them. I am also confident they have calculated my new payment amount incorrectly. 

I brought this to their attention and requested a reinstatement of prior payment. They submitted an application which remains pending now several weeks later. 

I brought this to their attention and emphasized that time was of urgency so I could close on my new home. They have still yet to make a decision on the request. Meanwhile, they have also placed me on forbearance which now jeopardizes the purchase of my new home.

Additionally, placing me on forbearance deprives me of the opportunity to make payments and extends the length of my repayment period.

I have tried calling them on numerous occasions and Im almost never able to speak with anyone, let alone anyone with any actual training that can help resolve my issues. For example, today I was hold for over 4 hours and was not able to speak with anyone.

At this point, their actions are potentially costing me thousands of dollars and I am being penalized to no fault of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Subject : Urgent : Unlawful Account Limitation and Withholding of Funds I am penning this letter to report an alarming issue regarding PayPals actions, which I deem to be in violation of the U.S. law. I am XXXX XXXX, and the PayPal account associated with the email XXXX is under my name. 

My account has been inappropriately and indefinitely limited, with a substantial amount of {$2500.00} being unjustly held for a staggering period of 180 days. I firmly assert that such actions breach my consumer rights, as stipulated under Title X of the Dodd-Frank Act, known as the Consumer Financial Protection Act of XXXX  ( 12 U.S.C. 5481 ). 

Having thoroughly reviewed PayPal 's User Agreement and related policies, I affirm my adherence to all outlined terms, negating any grounds for the account limitation imposed. Despite my compliance, PayPals arbitrary action stands, reflecting a lack of clarity and potential infringement of the Electronic Fund Transfer Act, 15 U.S.C. 1693, which ensures the protection of consumers utilizing electronic fund transfers. 

PayPals indistinct terms and policies further cloud the scenario, emanating an impression of deliberate ambiguity to unfairly retain and withhold user funds, arguably violating the Truth in Savings Act ( 12 U.S.C. 4301 ). This action by PayPal not only exhibits an unlawful possession of my finances but exacerbates my economic strain, in contravention of the principles enshrined in the aforementioned legislations. 

I beseech the Consumer Financial Protection Bureau 's intervention in this disconcerting matter to ascertain a comprehensive investigation and a just resolution. I anticipate the reinstatement of my account access and the immediate release of my held funds, in line with the legal standards governing consumer financial protection. 

I stand available for any further information or clarification required in this regard and earnestly await your prompt and favorable action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NC

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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Made a large check deposit and a hold was placed on check. Check cleared and bank closed account. Asked for a review and provided all documentation of money source and was denied a review after receiving all proof and documents. Spoke with numbers agents who gave different wrong amounts to me as the balance. Said the check was altered from the Department of Treasury, lied and said they were returning the funds to IRS then lied and said waiting for IRS to request funds back and different versions to what was the delay. I asked to have check returned and was denied even after submitted IRS documentation. The IRS says checked cleared and the money is there but bank refuses to give funds to me and closed account without valid reason and did not return ending balance in account. Now Im in danger of losing my business after 3 months of going back and forth and being provided wrong info from each bank representative

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have filed a report with EWS regarding a derogatory mark on my account. I am and have been requesting it be removed as the DOB listed does not match my birthdate that is listed on my consumer report. I have contacted the furnisher ( XXXX XXXX ) who have said they will collaborate with EWS to have it removed, but have not. This account does not belong to me as it does not match my personal information. I want to have this derogatory mark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NY

Complaint narrative:
I have been dealing with EdFinancial in trying to find out the specific forgiveness date of my student loan. I have been paying consistently on my loan throughout the pandemic and was granted loan forgiveness. The loan forgiveness date was granted at a time pre-pandemic. As I had been continuing to pay on the loan, I would like to confirm the amount that I overpaid and that is owed back to me. I would also like to be notified when that amount will be refunded to me. I have documentation from my bank on every payment that has been made to EdFinancial during the pandemic period. The EdFinancial site also states that my credit report will reflect that my student loans have a {$0.00} balance, yet they have also not received this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: MN

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
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. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA
State: CA

Complaint narrative:
Please see attached documentation for dates. 
1. Student loans paid off in full with XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX reached out regarding refund for any payments during COVID-19 hold on loans. 
3. Loan reinstated with no corresponding check or transfer of funds 4. Loan transferred to Mohela 5. Mohela is not responsive to queries regarding refund.

6. Mohela requests fraudulent loan to be paid and does not respond to phone or electronic contact of support.

Please see attached letter for a more clear description.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: IL

Complaint narrative:
Hello I was XXXX  when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering my next step will be the lawsuit I ask that you please removed these items and a timely manner thank you ..also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE REMOVED OFF MY FILE ALREADY, XXXX and XXXX removed it as well I ask TransUnion to remove these accounts from my file

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 2023-10-02 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: OK

Complaint narrative:
previously disputed XXXX XXXXXXXX account ; late payments reporting in violation of heros act late payment dates : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: IL

Complaint narrative:
XXXX EQUiFAX XXXX has violated my FCRA RIGHTS ( DELETE ) All Non account Holding inquiries as i did not authorize permission victim of identity theft Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( DELETE ) All Non account Holding inquiries XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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:
XXXX XXXX EXPERIAN has violated my FCRA RIGHTS ( DELETE ) All Non account Holding inquiries as i did not authorize permission victim of identity theft Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( DELETE ) All Non account Holding inquiries 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 explanation