vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: ID

Complaint narrative:
It's hard to tell exactly what happened because their records are a complete mess and I can not get straight answers out of them. They claim that I took out two loans in XXXX when I only took out one. In XXXX I was XXXX and my debt was discharged. Then they claim that it was reversed because they received information that I wasn't XXXX  for more then ten years. Then it was discharged because they received information that I was deceased. I called in XXXX to try and figure out what was going on and at that time and was told that it was discharged but I did need to pay some processing fee. I paid the fee but apparently that agent was lying to me because he put in the notes that i was trying to go back to school and that I was requesting the discharge to be reversed. Now 9 years has gone by without me receiving any contact from them, I thought that this was handled and I am trying to go back to school. Every time I call them I am given a different reason for why everything happened. I requested promissory notes and other documents from them but instead they sent me a balance statement. The statement that they sent me shows a balance of {$2100.00} which contradicts everything they have told me. I called and tried discussing this with them and they said they don't know anything about it and sent me another one claiming I owe {$4700.00}. I disagree with both of these amounts. I need this to be settled but they are unable to communicate with honesty and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
My Barclay 's account was accessed by fraud. I was notified that there were charges that were verified by me to be false. Charges were made on the XXXX XXXX. I live on the XXXX XXXX. I was assured these charges would be not accepted and multiple new cards were issued because the individual ( s ) tried multiple times to continue to change the address and access my account. After multiple times and notification mailed the charges were not charged and the amount credited to my account, the account kept being compromised. I decided to close the account and was assured there was no balance on the account. Since then, Barclays is claiming there is a balance no matter how many calls and assurances that this fraud was taken care of. They have since turned my account over to a debt collector.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
I am writing to formally express my concerns regarding the processing of my Income-Driven Repayment ( IDR ) plan request and the handling of my federal student loans by FSA.gov. On XX/XX/XXXX, I submitted a request for an IDR plan through FSA.gov, which was directed to my then-loan servicer, XXXX. However, this request has remained in review with no action taken. Despite making monthly payments of {$190.00} for the past year, I had assumed these payments were in line with an IDR plan, when, in fact, I had been on a standard repayment plan. When I contacted MOHELA regarding my concerns, I was informed that because my loan servicer had changed, I was required to submit a new IDR request. I find it troubling that this responsibility was placed on me, the borrower, rather than being managed by the loan servicer or communicated through Federal Student Aid ( FSA ) notifications. On XX/XX/XXXX, I submitted a new request for an IDR plan due to a change in my financial circumstances. My husband, who is XXXX XXXX in the XXXX, was stationed in XXXX for the next three years, and I had to relocate with him. As a result, I lost my job on XX/XX/XXXX. After speaking with a customer service representative, I was advised that my loans could be placed in deferment while my IDR request is reviewed. However, I was informed that this process could take up to a year for review, which seems excessive, especially given my current financial hardship. Since XX/XX/XXXX, my income has been {$0.00}. Today, I received an email stating that I am required to begin making standard payments next month. This is both concerning and overwhelming, given my current circumstances and the extended delays in processing my request. I am respectfully requesting immediate attention to my situation, including the approval of my IDR request and a deferral of any required payments until my application is reviewed and finalized. Thank you for your prompt attention to this matter. I look forward to a timely resolution. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Received fraudulent activity on my credit card to citi bank, they looked into it and they said they cant do anything more and said we have to pay the amount of fraud of XXXX of 3 counts of fraud of {$180.00}. X XXXX, and XXXXXXXX XXXX XXXX of 4 counts of fraud for {$180.00}. All over the US, With the same XXXX HOME DEPOT , Totaling $ XXXXplus interest!!! 
We have nothing to do with the fraudulent activity and feel we should not be responsible for the fraudulent activity and payment to citi bank. They did not do their job enough to substantiate the fraudulent activity on us! 
Can you help us with this? 
Thank you, 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 monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MT

Complaint narrative:
The Company has refused to remit payment for my insurance claim on the house from XXXXXXXX XXXX XXXX. They with held my funds to repair my house. So I have not made a payment while they hold my funds from my insurance company. They have all requested information to release funds for myself to make the repairs. They are now also asking for me to pay for an inspector which I refuse to do to receive the money my insurance has already paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
E-transfered money from my bank account 7 days prior to due date but not credited to my loan until after due date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Since XXXX my account is not working. I am trying to transfer money from my money network EDD account into my bank account. Their system fails and they tell me that they are working on fixing it. I have been unable to successfully transfer money since XXXX with no resolution in site. Today I will attempt to close the account and get a check mailed to me to access my funds ( over XXXX k ). 
However, the last time I tried to call, I was on hold for over 2 hours when their system said 30 min. Then I tried to call again and let the system call me back and it never did.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MN

Complaint narrative:
My name is XXXX XXXX, XXXX XX/XX/year>. My address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. My phone number is XXXX and my email address is XXXX. 
Attached is my drivers license for identity verification. 

I am revoking LexisNexis Data Management unit from using any and all information pertaining to me, my name and all of my historical records they store on my. I am not authorizing any use of my data without my consent. And I dont not consent to use and dissemination of my data. I am also not consenting or authorizing the third party use/utilization of my data. I am also asking LexusNexis to furnish all of the below information pursuant to Under the FCRA, the consumer has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. Add a statement to their file disputing the accuracy or completeness of information. The statement will remain on their file and will be furnished to recipients of the file as long as the disputed information is still used ; and Page XXXX XXXX Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by them who has received a LexisNexis consumer report for employment purposes within the past two years or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of XXXX XXXX XXXX XXXX XXXX ) .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
Closed account early, creditor removed negative remarks on XXXX XXXX XXXX but wont remove it from Transunion like we agreed

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 2025-01-07 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I am a victum of XXXXXXXX XXXX XXXX, there has been fraudulent accounts on my consumer report, please see attatched documents below

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 2025-01-07 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: SC

Complaint narrative:
I am a survivor of XXXX XXXX, during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Repair Act ( XXXXRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a XXXX XXXX XXXX XXXX XXXX  ) issued by a recognized XXXX certifying my status as a XXXX  survivor, as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.

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 2025-01-07 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: SC

Complaint narrative:
I am a survivor of XXXX XXXX, during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Repair Act  ( DBRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a XXXX XXXX XXXX XXXX XXXX  ) issued by a recognized XXXX certifying my status as a XXXX survivor, as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Ive contacted XXXX XXXXXXXX dealer I spoke with XXXX who informed me the hard credit check was due to XXXX XXXX XXXX who I didnt authorize to pull my credit report I initiated proof, I also contacted XXXX XXXX XXXX ( XXXX ) spoke with a supervisor by the name of XXXX who stated there isnt much she can do I have to file a dispute and send them a written consent I didnt authorize it. Ive contacted JPMCB AUTO FINANCE ( XXXX ) whom I didnt authorize to pull my credit I spoke with a representative name XXXX and I also spoke with someone by the name of XXXX who asked for permission to view my credit report to see on her end what is being reported because she couldnt see it with social given, I immediately asked her would this affect my credit she said no its on research mode I gave her the OK ( XXXX ) she stated she couldnt find any account with my social or name on her end who also apologized for this inconvenience. I would like for this to be investigated and for these hard inquiries removed from my credit report JPMCB AUTO FINANCE ( XXXX ) XXXX XXXXXXXX VIA DEALER ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) these inquiries werent authorized by myself I was told by XXXX XXXXXXXX it was an online submission however anyone could apply for things online when they have your information, and I ask that they be removed immediately. According to the FCRA The Fair Credit Reporting Act ( FCRA ) protects consumers from unauthorized hard inquiries on their credit reports : If you find an unauthorized inquiry on your credit report, you can dispute it with the relevant credit reporting agency. You can contact the bureau by mail, phone, or online. You can also contact the company that made the inquiry and ask for proof of authorization. Which I asked for and couldnt either company give me proof it was myself who authorized these hard credit checks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/year> I was notified of suspicious charges to a CITIbank credit card in my name. I do not have a CITI credit card and have never had a CITI credit card. I contacted CITI with the phone number in the text and advised them of this. They stated they would block the charges, close the account and begin a fraud investigation. I have called every day since then to request verification that this has happened either written verification or a case number and they refuse to give me any information. I have been transferred to more that 10 different phone numbers and have just been given the runaround as far as requesting verification that a fraud/ identity theft report was filed.

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 2025-01-07 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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