vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: KS

Complaint narrative:
I have been attempting to get the remaining loan forgiven through the Public Service Loan Forgiveness program, unsuccessfully. It seems that Mohela has not updated their payment counts and as a result, I haven't had the loan forgiveness that I am due. The issue is that there is a large block of payments that have been made, and were qualifying, but haven't been applied to my account. What's somewhat odd about this, is that there have been payments prior to this block of time that have been applied, and a block of payments after this time period that were applied, but for some reason there are about 51 payments that aren't being counted towards PSLF, even though those are qualifying payments. I pulled all of my student loan payment records through the FOIA and have included screenshots of the qualifying payments that I've made, as well as a screen shot of Mohela 's payment count. Multiple attempts to inquire with Mohela have gone unanswered in that they can not seem to understand why those counts haven't been applied yet. They refer me to FSA - Federal Student Aid indicating that FSA is responsible for informing Mohela what payments should be applied. When I call FSA, they refer me back to Mohela indicating that Mohela is responsible for the payment counts. No one seems to be able to find any answers here, and as such, I hopeful that CFPB can. Screenshot 12 - That is a picture of my payment counts in Mohela - You can see the gap in counts, as it goes from XXXX XXXX XXXX. Screenshots 13 - 17 should prove that the payments were made, and were qualifying. Further, these payments would push my count over the 120 payment count for my last loan and it would be forgiven. My student loan should be forgiven due to PSLF. More specifically, payments made from XX/XX/XXXXXXXX XXXX XXXX  aren't being counted. 
These missing 51 payments would push me over the 120 threshold quite easily. I will include screenshots of the documents, and can provide on request, the actual documentation. I have submitted this complaint in the past, but the answer didn't address why those payments weren't being counted when others were. ( complaint number XXXX  ) Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$5300.00XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$410.XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$300.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} INQUIRIES : XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-22 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: KY

Complaint narrative:
This was an account on my consumer report, that I never had, Im requesting a document with both parties signatures on there stating that we had done business, if not this is a fraudulent account

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 2024-10-22 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: TN

Complaint narrative:
The List of accounts below has 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 XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP
State: NV

Complaint narrative:
I am writing regarding my recent application for a Home Equity Line of Credit ( HELOC ), which was denied. The reason provided by the underwriting team was that my " debt-to-income ratio was too high. '' I would appreciate further clarification on this decision, as the provided information does not align with my financial profile. 

To offer some context : Credit score : XXXX  Monthly income : {$20000.00} Credit utilization : Below 7 % I have had this property for 22 years and no late payment. 

Additionally, I was asked to provide consumer data information, including my race, to which I marked XXXX XXXX. The only communication I received regarding the denial referenced my debt-to-income ratio, without further specifics or an opportunity to discuss the decision. 

Given my strong financial standing, I am requesting additional details regarding how the decision was reached with my application. I believe there to be discriminatory practices involved in there decision.

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 2024-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Indie Technology DBA Found
State: FL

Complaint narrative:
Found bank, which is not really a bank, to find out for small businesses allow someone to make nine transactions on my account sending money to a whole Nother country using it in a whole Nother state nine different transactions. They did not stop them. They did not notify me. I had to find out after walking out of a hurricane, I put complaints. They said it takes 10 days but Ive already denied half of them. If you look on the XXXX XXXX XXXX  this is what they do. These people are selling peoples information to scammers. They are part of the XXXX trafficking.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was in a accident on XX/XX/XXXX. I had a loan financed though Capital One Auto finance which was declared a total loss by the insurance company. 

On XX/XX/XXXX I received a letter from Capital One ( attached ) stating that my account was paid in full. XXXX XXXXXX/XX/XXXX my credit dropped drastically because Capital One reported that I missed XXXX months of payments from XX/XX/XXXX until XX/XX/XXXX. 

I have not had the vehicle since XXXX. I have not made a payment since the car was wrecked because I was informed by Capital One Auto Finance that I had a XXXX balance. I contacted the company and they are telling me that I have to pay them or they won't update me XXXX XXXX. I never made a late payment during the life of the loan. In addition, Capital One gave me another car loan in XXXX. If I had a balance from XXXX why did they extend me additional credit? 

In addition, I am the owner of XXXX Capital One credit cards. I am also pre approved for another car loan through them. 

This company informed me in writing I did not owe them anything and my loan was satisfied. Now that I am in the process of purchasing a home they purposely dinged my credit without notice. I feel as though they are targeting me for money I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
I purchased a {$500.00} XXXX  prepaid gift card from my local XXXX store on XX/XX/year>. I went online and registered the card and tried to use it, but it was declined. I called the number on the back and they said it locked for fraud so they unlocked the card and I was able to use it. I tried to use it a second time and it wouldnt work so I called the number on the back of the card again. I was told again that the card was flagged for fraud and they deactivated the card. They told me, to fix the problem I needed to fax a picture of my drivers license and a picture of the gift card to a number they gave me which I was reluctant to send that kind of information. I asked them if I could give them my receipt and a picture of the gift card with my name and address and they can send me a replacement. They said they can not do that unless I fax them the information they want. I have dealt with identity fraud in the past and was uncomfortable sending that information through a fax machine. I keep calling and they keep telling me the same thing over and over again that they can not do anything About it. I called today to check the balance and they said I still have {$300.00} left on the card, but the card is still deactivated. It is so frustrating to deal with.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. Communication Records : Request copies of any correspond
ence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Re : Dispute of Inaccurate Information [ XXXX XXXX XXXX Account # XXXX and XXXX  Account # XXXX ] Dear Sir or Madam, I am writing to formally dispute inaccurate information reported on my credit file. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), I request that you investigate the following accounts and either verify all information for accuracy or remove the erroneous details from my credit report entirely. 
The accounts in question are as follows : XXXX XXXX Services Account Number : XXXX XXXX  ( XXXX XXXX ) Account Number : XXXX I believe that the information currently reported is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that any information reported on my credit report is accurate and complete. As the information on these accounts is inaccurate, I request that you take the necessary steps to update it to reflect accurate data or, if verification can not be completed, remove the accounts from my credit report. 
Should you fail to fulfill this request within the legally mandated 30-45 days, I will pursue legal action to collect damages of {$1000.00} per inaccurate item as outlined by the FCRA. 
Please send me written confirmation once this issue has been resolved, and please provide me with the results of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the next 30-45 days. 
Sincerely, 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 2024-10-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Re : Dispute of Inaccurate Information [ XXXX XXXX XXXX Account # XXXX and XXXX Account # XXXX ] Dear Sir or Madam, I am writing to formally dispute inaccurate information reported on my credit file. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), I request that you investigate the following accounts and either verify all information for accuracy or remove the erroneous details from my credit report entirely. 
The accounts in question are as follows : XXXX XXXX Services Account Number : XXXX XXXX  ( XXXX XXXX ) Account Number : XXXX I believe that the information currently reported is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that any information reported on my credit report is accurate and complete. As the information on these accounts is inaccurate, I request that you take the necessary steps to update it to reflect accurate data or, if verification can not be completed, remove the accounts from my credit report. 
Should you fail to fulfill this request within the legally mandated 30-45 days, I will pursue legal action to collect damages of {$1000.00} per inaccurate item as outlined by the FCRA. 
Please send me written confirmation once this issue has been resolved, and please provide me with the results of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the next 30-45 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Citibank for Blocking Access to Funds and Account Closure Issues Dear CFPB, I am writing to file a formal complaint against Citibank regarding the issues I have encountered with my savings account. I have attempted to transfer the funds electronically, but Citibank has blocked my ability to do so without providing any explanation. This has caused me significant frustration and concern over my access to my own funds, which I believe may be a violation of the Electronic Fund Transfer Act ( EFTA ). 

I have contacted Citibank to resolve the issue and have requested that the full balance of my funds, including any accrued interest, be returned to me in the form of a paper check sent to my address on file. I have also requested that Citibank close my savings account after the funds have been returned. Despite my efforts, I have not been able to resolve this matter directly with the bank.

The resolution I am seeking is as follows : 1. Citibank must promptly return the full balance of my savings account, including any accrued interest, via a paper check mailed to my address on file.

2. Citibank must close my savings account upon the successful transfer of my funds.

3. Citibank must provide an explanation as to why my ability to transfer funds electronically was blocked in the first place.

I would appreciate your assistance in investigating this matter and ensuring that Citibank adheres to its obligations under federal law, particularly the EFTA, which protects consumers rights to access their funds. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX Account 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