vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom this may concern, I am submitting this complaint on my own behalf to address an issue with a Consumer Reporting Agency named EXPERIAN. On or about XX/XX/XXXX  I submitted XXXX  documentation that determines that I am a victim of XXXX  and the Identification of the negative information that resulted from XXXX. Specifically I provided a XXXX  Victim Letter, Self Attestation, Proof of Identification from a state governmental agency and a Proof of Mailing to EXPERIAN. to have information that resulted from trafficking to be expunged from my Consumer Report. As of XX/XX/XXXX  EXPERIAN continues to negligently furnish the adverse information that Is result of trafficking and it is causing me stress because I am attempting to move on from the damages I have received due to the XXXX  and it still continues to haunt me through my consumer reports and it prevents me from extending my consumer credit. It is not fair for a consumer to due everything in their power to address a Consumer Reporting Agency to uphold their grave responsibility with fairness and for a Consumer Reporting Agency to continue to act negligently. After Five Buissnees days of Submitting the information to Experian I have not received a request for more additional information. This is stressing me out and its also taking affect on my household. I am unable at this time to obtain household goods and services for my family due to this adverse information. Experian has been operating negligently and it's causing me damages. I can't sleep probably, I'm constantly crying, my children are worried and feel hopleless as they are unable to help me in my situation. I also feel drained and tired and feel like giving up as I am trying everything in my power to move on but its so hard with this adverse information haunting me. its making me depressed. I informed my doctor about the situation and they've suggested I see a XXXX  and made a referral to do so. I am hoping that the XXXX  can help me proceed forward. I have also been prescribed XXXX  to deal with the emotional trauma but I never began using them as I don't want to have to depend on them as that may lead to addiction or ungodly habits. I am in fear of my life aeveryday and I am trying to fix my financial situation so I can provide myself and my family a better life so they never have to endure the thing I have. Please help. I have attached the information I have shared with Experian.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A States have the rights privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-10-11 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:
All XXXX credit cards are ok with deleting and Experian is giving me pushback by demanding what I've already uploaded to them.

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 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
I was refused service to refinance a personal loan by USBANK during a recent telephone call without reason on XX/XX/XXXX. The representative took my demographic information and asked for the last four of my social security and made me verify my loan number as well, after reviewing my loan information the representative asked me what are my credit scores? to go over current refi rates, after a few moments i was asked to go to a branch to submit a application, am i not allowed to apply over the phone the representative stated that i was not allowed. 

USBANK is in clear violation of 15 usc 1691 ( a ) ( 1 ) ( 2 ) The Arkansas Civil Rights Act of 1993 16-123-107 - Discrimination ( 4 )

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 2023-10-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a fraudulent transaction on my account back in XX/XX/2023. The charge was mistakenly reversed when it shouldnt have been at the end of XXXX. I called Citi Bank about the very obvious mistake that was made and was told multiple times it wasnt a mistake and would be adjust properly on my next billing statement. Come to my next billing statement and it now showed that I owe for that fraudulent transaction. Called Citi Bank again and they finally listened to what I was saying and saw and noted the mistake. I was told it was being sent to their manager to get handled and would be adjusted back by the time the due date. Now here we are today, 5 days before the due date and still no fix for this mistake. Ive called Citi Bank at least 10 times at this point. Ended up paying for the charge because I didnt want it to affect my credit score. Now I have to sit and figure out how I can get my money bank from a bank who hasnt responded to fix this issue since the beginning of XXXX. This was the only other thing I can think of to do to try to get some actual help. The zero liability for fraud isnt a representation of Citi. Every time I call they say they see it in the notes and itll get handled. Dont know what else to do.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is currently reporting charges to a closed account that was fully paid off and any all equipment was returned to them. This account was closed on XXXX ( date to which my lease was terminated where service was being provided to ). 

It has been approximately a year since this account was closed and XXXX is now asserting a fraudulent claim for {$300.00} which I reported to the FTC ( See FTC Report No. XXXX ) and will be taking further action against XXXX if they continue to assert this alleged money due. 

Moreover, XXXX is violating federal law by reporting this fraud to the XXXX major credit reporting agencies, XXXX, Equifax, and XXXX. Aside from the fraud, I never gave XXXX my permission to disclose nonpublic personal information. Any consent- whether verbal, non-verbal, written, implied, or otherwise is revoked. Additionally, XXXX never informed me of my right to opt-out of disclosure as required by law. See 15 USC 6801, 1681b ( a ) ( 2 ) ; see also P.L. 90-321 ( 82 Stat. 146 ).

15 USC 1681C ( a ) ( 5 ) states " [ e ] xcept as authorized under subsection ( b ), 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. '' This account is an adverse item ( which is not a record of convictions of crimes ) that XXXX, Equifax, XXXX, and XXXX are reporting without my permission. This is against the law. 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) further states " [ 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. 

Lastly, in accordance with the FCRA, XXXX, Equifax, and XXXX has XXXX days to remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account with TIAA/Everbank , deposited money into both a checking and savings account, my debit card was activated and I really was not doing anything with the accounts, mostly just using for savinings, well without me knowing they locked the accounts, I have tried to get my money out by way of transfer, wire transfer and XXXX, but nothing, I have left numerous messages, emails and spole to people who say someone will call me, but been over a week and nothing. I want my money out of this horrible messy bank and an explanation as to why there has been no attempt at communication

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
I called MOHELA yesterday ( XX/XX/23 ) and I was put on hold for over two hours before I could speak to anyone.

The reason I called is that MOHELA put my account into forbearance that I had never requested, nor did they notify me that they had done so. If I hadn't happened to log into my account, I never would have known.

Once I finally got someone on the phone, I asked them why they put my account into forbearance. The person I spoke to didn't know, put me on hold to find out, and never figured out an answer.

I messaged MOHELA through their website to ask about why the forbearance had been applied and to confirm that the months on forbearance would count towards Public Service Loan Forgiveness, but they have not yet responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: TX

Complaint narrative:
They had missed up my SAVE plan and PSLF payment by excluding a loan from repayment. I contacted them in writing to make the correction to reflect all loans in repayment, and get the correct amount for payment that was due XX/XX/2023. 

That was on XX/XX/2023 then again XX/XX/2023 then again XX/XX/2023. There were no correspondence or any information. All they did was put my account in forbearance. 

I sent two more written requests on XX/XX/2023 and XX/XX/2023. I also filed a formal compliant with the Federal Student Aid as appropriate. To date, nothing has been done to correct the issues. 

I am happy to make payments and be in Repayment under my SAVE plan and ensure my payment count toward PSLF is credited/honored.

Currently this is not the case as MOHELA accepted a payment and did not credit towards PSLF or give me any reason why i am in forbearance. 

It also says my Forbearance will be for 1095 days. If they are forcing forbearance then I would like to confirm that every month will be credited for PSLF with or without payment since they are illegally forcing my account into forbearance and not explaining why, affecting my PSLF count and making it impossible for me to have hope on my student loans being forgiven one day. I am only XXXX payments from meeting my PSLF requirements ( really it is down to XXXX - because I have XXXX " ineligible payments '' due to forbearances that was not credited as per FEDERAL LAW ) I also have requested this to be corrected in writing as well, with no action to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I Contacted IC Systems and they were unable to locate an account for verification. this is an XXXX ( XXXX XXXX XXXX XXXX bill for XXXX that is showing on my credit report as a collection.Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have misinformation regarding collections on my credit report that i repeatedly said it was not mines and I have no knowledge of these its on XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX which had information on there I dont even know or ever possessed. I sent disputes letters several times and the last 3 by certified mail and according to the FCRA 15 us code 1681 68021681-c and especially 1692 g these accounts need to be removed and not constantly verified and updated. Its been 4 times this has happened and there was not a proper investigation with 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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have misinformation regarding collections on my credit report that i repeatedly said it was not mines and I have no knowledge of these its on XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX which had information on there I dont even know or ever possessed. I sent disputes letters several times and the last 3 by certified mail and according to the FCRA 15 us code 1681 68021681-c and especially 1692 g these accounts need to be removed and not constantly verified and updated. Its been 4 times this has happened and there was not a proper investigation with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Wolf River Development Company
State: TX

Complaint narrative:
Company charges excessive interest which should be illegal. While I paid off the loan at a significant savings and early, the original contract amount with interest was XXXX payments of {$530.00} a month and only {$50.00} a month going to principal. This is outrageous and predatory. 

The company did discount my payoff after lying to me saying they had removed my ACH information when they had not. I had requested this in writing twice, and confirmed on a recorded phone call by the company that the rep had converted my account to ACH revoked, the rep said yes she had. The next day I logged into their website and found my checking info along with my payment date and info. The rep had not removed the ACH info after I had revoked it repeatedly. Company is predatory and hides behind tribal law to get away with their actions. Unethical and Immoral.

Company response to consumer: Closed with explanation