vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received an alert from Experian on XX/XX/2022 my home mortgage increased by {$4300.00}. My mortgage balance was {$330000.00}. I have called XXXX XXXX  XXXX to find out why they are reporting this increase to Experian. They tell me they are not reporting this increase in my mortgage as there is no increase for my mortgage. Experian tells me they are getting this information from XXXX XXXX XXXX. Now I am caught in the middle of this, as it reduces my credit score showing an increase of balances on my credit file with Experian, XXXX and XXXX. To this day, no one is able to fix this for me. It is false information and it is holding me up from achieving a refinance for my home mortgage. What resources do I have to get this false reporting fixed?

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 2022-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Balance has not updated since XX/XX/26. No refund on balance requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2022 I went to log into my Bank of America online banking and wasnt allowed. I reached out the financial institution and no information was provided, except the bank is closing your account for undisclosed reasons. I expressed that I had money in my account and a child to feed as well as bills to pay and transportation to get to and from work. They said theres is nothing they can do. I just have to wait.

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XX/XX/2019 CONTACTED BUREAUS ABOUT THIS FALSE INFO

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2019 CONTACTED BUREAUS ABOUT THIS FALSE INFO

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The account is still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. I am questioning the bureaus ' capacity in regards with my concern. Please do a re-investigation on this. Below is the account that's still reporting on my report : CAP1/SAKS XXXX XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent experian an FTC report on or about XX/XX/2022. experian refuses to block and remove the accounts itemized in the FTC report. I sent notice stating that This Identity theft report was not done in error or a material misrepresentation. If EXPERIAN believes i have received goods or services please have a senior executive certify under the penalty of perjury that i have in fact received goods or services as a result of these transactions. 
Experian refuses to remove fraudulent items that are DEFAMING the consumer and causing the consumer much stress due to fraudulent accounts reporting late payments causing my credit file and reputation to be tainted.

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 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
ERC # XXXX XX/XX/XXXX {$270.00} XXXX # XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX # XXXX {$240.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$2400.00} THE FOLLOWING ACCOUNTSARE FRAUDULENT PLEASE DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I contacted XXXX XXXX  And the three major Bureaus, Trans Union, XXXX, and XXXX because I noticed inaccurate information on my report! I ask them to correct it and they said they did! Upon my own observation of my consumer report I noticed that the inaccurate information still remains! So I ask for an reinvestigation! And they look upon it again they told me that they didnt find anything inaccurate information and they not changing nothing! 

Upon my reinvestigation I still found the inaccurate items to be on my consumer report! 

And have file complaint to FTC

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I contacted XXXX XXXX  And the three major Bureaus, XXXX XXXX, XXXX, and Experian because I noticed inaccurate information on my report! I ask them to correct it and they said they did! Upon my own observation of my consumer report I noticed that the inaccurate information still remains! So I ask for an reinvestigation! And they look upon it again they told me that they didnt find anything inaccurate information and they not changing nothing! 

Upon my reinvestigation I still found the inaccurate items to be on my consumer report! 

And have file complaint to FTC

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
We have disputed the late payments that Ally bank has been continually reporting incorrectly to the Credit bureaus who have continued to keep reporting while we were in XXXXXXXX XXXX bankruptcy even though we have disputed it more than 20 times in the past XXXX XXXX XXXX. 
We filed XXXX XXXX Bankruptcy on XX/XX/2020 : ( # XXXX ) Bankruptcy was dismissed on XX/XX/2020. During that time, Ally Bank continued to report late payments on account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late. 
During that time we were under the bankruptcy umbrella and according to law should not be reported. We have requested countless times for the late payments to be removed during and after bankruptcy and they continue to keep the information on our credit report. We are so frustrated and dont know what to do- thank you in advance

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX ( Original Creditor : XXXXXXXX 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 a 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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, 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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Kikoff Inc.
State: FL

Complaint narrative:
I pulled my credit report earlier this year, and notice XXXX was on my credit report, did research to find out how, why, even reported to my local police department, thinking someone was during some fraudulent activities on my credit. But, I was informed there's not much they can do. I have filled out a fraud report with XXXX, and they are trying still to make me pay for a service I have no knowledge of. I have called, contacted and tried to report FRAUD to this company, this is NOT MY ACCOUNT. I have filed a complaint with the XXXX  # XXXX in regards to reporting incorrect information. Please remove from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is related to XXXX XXXX, two problems 1 ) truist send me response in snail mail, nobody tried to reach me in phone or person, in which they say attached statement abd original disclosure but none were there, trying to keep fraud and cheating for more money 2 ) I deposied check of $ XXXX to pay off this un-wanted deal, the deposit timenwas XX/XX/XXXX, again they deliberately delayed cashing of the deposit to XXXX XXXX, charged another interest of {$190.00} against my will 3 ) as of today, I had paid off the money {$10000.00} I borrowed from Truist by their cheating ; I'm hereby request Truist cancel the interest and fee {$680.00} they charged and refund it to me

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 2022-09-19 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: Oklahoma Student Loan Authority
State: CA

Complaint narrative:
Hello on XX/XX/XXXX I called OSLA to ask for a refund back and they put in the request for a refund since XXXX XXXX. I check today and I see that my loan balance is still XXXX instead of my refunded amount and I need updates

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene Finance has been reporting that my payments are not being sent on time. I have made several attempts to clear this with Selene with not help from them. I have record of all my payments and the 3 extra payments made so I can stay ahead of the game. I am in the middle of loan and this has held me up with my company financing. I have proof of every payment and when the checks are cashed. They are sitting on checks and allowing clients to fall behind and trying to collect late fees in a already crazy time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I went to XXXX XXXX Wells Fargo on XXXX XXXX and attempted to withdraw money from a drive-thru ATM. The ATM machine door ( the part where you take the money from ) opened but no money was actually dispensed. I tried 2 more times at the same exact ATM machine but the same thing happened. I then went inside the branch to withdraw money. I used an ATM machine and the same thing happened. Finally I attempted one last time and it worked and I was able to withdraw {$50.00} dollars. Later that night I checked my banking account and saw that there was a {$700.00} dollars ATM withdrawl but I never received the money. I called my bank and filed a claim. The claim was rejected today. I believe that the ATM machine is at fault because the ATM door opened but no money was dispense and somehow I was charged {$700.00}. I also received multiple emails that stated my card was rejected due to incorrect PIN but that is not the case as I was able to operate the ATM machine just fine. At that time I believe this was a fraudulent as I received multiple emails and money did not disperse. I am looking to get my {$700.00} back.

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 2022-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
XXXX*THIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE*** This complaint is in regard to complaint ID # XXXX. The company stated that they would respond within 45 days however that has not happened. My reputation is still being damage by this alleged debt and my rights are continuing to be violated. I am aware I have rights which are federal protected against fraudulent debt collectors like CITIZENS BANK and I allege that CITIZENS BANK has failed to follow the law and has become a device and mechanism for deceptive and misleading practices becoming damages and injury to my reputation and defamation of my name. 
XXXXTHIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Today I was nearly the victim of a sophisticated fraudulent payment attempt using PayPal. I received a payment request via from someone named XXXX XXXX ( with email address XXXX ) for {$500.00} to my PayPal account, which generated a text and an email from PayPal and a note, which I thought was from PayPal with a telephone number ( XXXX ( XXXX ) XXXX, fraudulent ), and when I called that number, the person at the other end attempted to get me to download a file from the webpage https : XXXX to " verify '' my identity, which I did not do. So, I successfully avoided being a victim, but I am relatively savvy and nearly fell victim, so want to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On Tuesday XXXX/XXXX/22 I requested a wire transfer of {$300000.00} from Merrill XXXX to another brokerage due to poor customer service at the former. Merrill 's own website stated that wire transfers are processed the same business day. As of close of business on Monday XXXX/XXXX/22, my wire transfer had not been processed. This means that I have not had access to my live savings for a week while Merrill is able to utilize my money as float for their own profits. This is simply an unacceptable abuse of fiduciary trust and despite multiple promises Merrill has not fixed.

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 2022-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
I received an email that a former employee of mine, whose employment ended more than 5 years ago, received a call on her personal cell phone from ARM Solutions, XXXX, advising they were trying to locate me to " collect a personal debt. '' This is wrong on many levels, as you know. 

I tried to call the above number, and had to leave an automated call back number. I emailed ARM Solutions at the " contact us '' email address on ARM 's website.

This is a former employee who often refers my business, and ARM 's blatant privacy violation could cost me business. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX XXXX ( Original Creditor : XXXX 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 a 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