vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: CA

Complaint narrative:
I recently review my Credit report and noticed fraudulent and inaccurate items on my report such as accounts and inquires I never authorized. I have exhuasted all resource through the creditors. Please remove all fraudulent accounts thank you.

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 2024-06-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-17 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: FL

Complaint narrative:
I reviewed my new credit report and i saw information which i believe, doesn't belong to me, so i am writing to dispute accounts and inquiries on my credit report. I discovered several accounts and inquiries that are not related to any transactions I have made. This indicates potential 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 explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-06-17 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: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-06-17 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: GA

Complaint narrative:
I consolidated my student loans in XXXX. It has been over 90 days and XXXX says they transferred my loans to Mohela on XX/XX/year> and this is what shows in FSA Student Aid website. However, if you call Mohela, they say they dont have my loans and don't know what they are talking about yet I have received 3 bills from Mohela that show I owe {$1200.00} this week and Mohela says they dont see that they sent me bills anywhere. I wrote on their new website and they said that yes, I owe that. They haven't applied my income based repayment either which means I wont get the IDR account adjustment ( this is what FSA told me ). I need real answers from Mohela, I need them to apply my IDR like they were supposed to. Also, I should be well over 120 payments for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: KEYCORP
State: OH

Complaint narrative:
I was contacted by XXXX XXXX on XX/XX/XXXX who claimed he was a Relationship Manager with Keybank calling to offer me a home Loan Modification. He offered to place me in a loan mod program reducing interest rate and my monthly mortgage payment if I agreed to pay {$1900.00} that day and then set up 3 additional payments for {$1000.00}. so far I have paid XXXX XXXX, XX/XX/XXXX - {$700.00} ( paid by my mother ) & XX/XX/XXXX - {$300.00}, and I am scheduled to make another payment {$1000.00} on XX/XX/XXXX. I was given the following instructions to take the funds call them form the parking lot and they would sent me a bar code to my phone. Go inside XXXX and inform the cashier I wanted to add money to my XXXX  and show the barcode from the cashier to scan. Once the payment it made to take a picture of the receipt and send it back to them as an attachment to the email they initially sent me. I reached out to KeyBank because the number the guy called from has a XXXX area code and normally Keybank contacts me from a XXXX area code. So when I provided the Keybank rep with the following numbers I was contacted from : XXXX, and XXXX she replied those were not in the companies directory nor was the XXXX XXXX XXXX name coming up in the company 's employee directory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-17 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: Certegy Holdings, LLC
State: NV

Complaint narrative:
in XXXX my purse was stolen and I filed a police report. Also, I was a victim of the XXXX XXXX XXXX the same year. In XX/XX/XXXX, I went to XXXX and attempted to purchase my items with my checking account. XXXX denied my check. I called telecheck and they told me they had someone with a simillar Drivers License number that had debt on their file that was linked to my XXXX Report. I immediately Disputed the transactions, as they were not mine and that XXXX needs to put them on the other persons XXXX Report and Remove the negativity from mine. I awaited 45 days while they investigated the dispute and I submitted my bank statements, my ID cards, A handwriitten dispute form, a voided check, and the receipt I got at XXXX showing my check was denied by XXXX, my XXXX Report with the items I was Disputing circled, the police report i filed about my purse being stolen and an ftc report I filed about Identity Theft for the XXXX XXXX breach. 
I sent all these documents into telecheck. I WON THE DISPUTE. They sent me a letter in the mail telling me they removed the negative things from my file. a month later Im in XXXX and attempt to write a check- XXXX Denies it. I call XXXX and they tell me I need to wait another 30 days for the XXXX system to reset itself. 2 months later Im at XXXX, attempt to write a check, XXXX still denies it. I call XXXX and Im told theres NEW debt on my account from someone else with a simillar drivers license number. The XXXX operator tells me I have to put in a new dispute and wait another 45 days. So I do. And 4 months later I am at XXXX  XXXX and I write a check- XXXX denies it. I call XXXX and they tell me the amount of the check im writing is " to much '' its " above my normal check writing amount '' so the telecheck system wont approve my check. So i write one for a smaller amount- and still denied. So I submitted another dispute. On XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have had to dispute again and again the same problem with XXXX XXXX XXXX  HAS NOT APPROVED ONE SINGLE CHECK Ive attempted to write since XX/XX/XXXX. two and a half years they have refused my checks and ive disputed and won the dispute only for them to do nothing to clear my XXXX file or allow me to write my own checks. They even have someone elses bank account listed as my account and they wont take it off. I am so tired of being embarrassed to go shopping and forget my debit card or have to write a check and then put all my stuff back because XXXX denies the payment. Im a victim and Embarrassment and Humility everytime for someone elses debt.

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 2024-06-17 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:
Dear Equifax, I recently looked at my credit report and I noticed that some hard inquiries on my credit report that do not have permissive purpose according to the Fair Credit Report Act anything on my credit report that does not have permissive purpose must be deleted according to the 15 USC 1681 B. 

Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: NV

Complaint narrative:
UNAUTHORIZED INQUIRIES XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INACCURATE INFORMATION TransUnion No balances with Conns. It states I owe {$1600.00}

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 non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I was POA and caregiver for my mother who suffered from XXXX and kept giving it info getting scammed repeatedly. I purchased a membership with Experian that included freezing reports, fraud alert and credit/identify monitoring. 
Mom died XX/XX/XXXX, I notified them and everywhere else of her death on XX/XX/XXXX in efforts to prevent further misuse of her information. Experian did nothing to her membership-no refund offered and keeps trying to charge cards that I appropriately closed upon death. except send me a case # and fax # to send death certificate to. I got the certificates finally and faxed them last Monday, have 3 confirmations that faxes went through. Called again today took 45 minutes, completely inappropriate staff behavior and ever excuse under the sun why they cant escalate my request, send written confirmation that membership is closed and credit report accurately shows her death so no further misuse can happen, they state they cant do thats or have an estate person contact me etc. THIS IS WHY SENIORS are easy target for scamming, I cant even report a death appropriately. It is impossible. We need to fix this not only so my mother can rest peacefully, but also for other people going forward.

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 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: KY

Complaint narrative:
This company Caine and weiner, has repeatedly added this charge to my credit report.It is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I believe Bank of America is misapplying my credit card payments. I have a few balance transfers at promotional rates of XXXX  %. The purchases balance rate is at a higher XXXX %. 
In the " how we allocate payments '' section of my bill it states - " Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payments equal to your total minimum payment due to the lowest APR balances first ( including transactions made after this statement ) Payment Amounts in excess of your Total Minimum Payment Due will be applied to balances with higher aprs before balances with lower APRs. '' I believe that they have not been doing this and have been charging me interest on the higher balances as they have not been cleared off even though I have overpaid the amount that I can best calculate is remaining. 

There billing statement has a confusing and inaccurate summary on the bottom which further makes it difficult to see exactly what they are doing.

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 2024-06-17 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: DC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts 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 2024-06-17 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: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
It is stated that I owe a company a debt, that I never had any business with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I have requested a copy of the electronic consent which is required by the Department of Education to accompany the promissory note at all times in order to validate the documents. The reason that I have requested this is because the loan documents that Nelnet has are forged documents created on XX/XX/year> along with the electronic signature. The terms of the loan were changed from XXXX percent to XXXX percent interest and the XXXX  year payment plan changed. A company that deals with loan documents all the time knows that these are forged and thereby is committing a felony by using a fraudulently obtained instrument. Furthermore by trying to collect using these documents is liable for a XXXX dollars from each contact for illegal collection. 
The reason I know the documents are forged is because this was a paper transaction with a wet signature in the first place. 
I also work for the federal government so this can cause me problems with my security clearance. So we are prepared to go to court much sooner than later. 
I await your reply to determine if litigation will be undertaken immediately if I am not happy with your reply. 
This was also previously disputed successfully with PHEAA who admitted that the documents were incorrect and that an investigation would take place. Obviously they just gave you the forged documents and did nothing. There reply is still available on this forum

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: AR

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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