vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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:
Good Day Sir or Madam I have requested several times that my name and address be updated on all 3 Credit Bureaus including Experian Under the Fair Credit Reporting Act ( FCRA ) My report should reflect accurate information I have provided all bureaus with copy of id and bill so my credit report would reflect the correct information. I have no access to receive any correspondence to any addresses listed on my credit report other then the one that is on my id and bill that already been submitted

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Good Day Sir or Madam I have requested several times that my name and address be updated on all XXXX Credit Bureaus XXXX, XXXX and TransUnion Under the Fair Credit Reporting Act ( FCRA ) My report should reflect accurate information I have provided all bureaus with copy of id and bill so my credit report would reflect the correct information. I have no access to receive any correspondence to any addresses listed on my credit report other then the one that is on my id and bill that already been submitted

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 2023-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
XXXX of last year I applied to the One-time student loan forgiveness debt relief. At this time it was with the XXXX XXXX XXXX XXXX XXXX owed {$6200.00} on my student loan. The didn't notify me that my loan was transferred to Edfinancial until XXXX XXXX. The service company Edfinancial sent an email on that date they were receiving my loan which was odd. because I paid that loan off on XX/XX/21. I applied to the One-Time student debt forgiveness when the application opened as a back up, because I honestly forgot whether or not it was paid in full. Then I log on to Edfinancial and the amount is still there in full as if I never paid it. I call them explain everything and even email them my bank statement that shows the payment. Their reply is that the application for the one-time student loan forgiveness was an application to reborrow the money instead of it being a forgiveness. Therefore since I applied the money was reinstated, they even allege they sent a paper check on last year, which is false because they didn't have my records til XXXX of this year. Its been close to a month since I sent them that information and they haven't got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
They have contacted family members and gave then my information. They've been calling everyday. I've told then to stop contacting me and have tried blocking the numbers. They change the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Two financial aid checks were sent to USAA electronically to the wrong account. First refund, totaling, {$75.00}, XX/XX/2023 and the second refund, XX/XX/2023 for the amount {$5100.00}. I inadvertently placed the wrong account number ( XXXX ) on my XXXX XXXX XXXX  refund account. Instead I used my members ID ( XXXX ). Myself and the senior cashier at XXXX XXXX have spoken with USAA numerous of times trying to reclaim the funds. XXXX XXXX, the senior cashier has also asked for USAA to return the funds back to them. USAA have requested an indemnity letter from the university, which they have but without the hold harmless agreement. The university is unable to provide the hold harmless agreement. However, they have provided both amounts, dates, tracing numbers for both transactions, and asked them to return the funds. 
I have attached the letter from the university, proof to show that I mistakenly placed the wrong account number on my student profile, the dates/amounts refunds were sent. Im asking for help to reclaim my funds. Im responsible for these student loans however I didnt receive. The correct account number ( XXXX ) Ive requested for them to transfer is now on file with the university. 

Thanks, 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 2023-08-08 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: CA

Complaint narrative:
Description of complaint : I have reach out numerous times to XXXX XXXX Experian they have failed to remove fraudulent items from my credit ( Fraudulent ADDRESSES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, ant attorney 'S fees. 15U.S.C. 1681o. A CRA that willfull fails to comply with the FCRA can be held liable for actual damages ( or statutor damages of un to {$10000.00}. punitive damages.costs, and attorney 15 U.S.C. 1681n The FCRA seeks to ensure the " [ a ] ccuracy and fairness of credit reporting. '' 15 U.S.C. 1681 ( a ). Toward that end, the FCRA mandates that end, the FCRA mandates that consumer reporting agencies ( " CRAs '' ) " follow reasonable procedures to assure maximum possible accuracy '' of the credit reports that they create. 15 U.S.C. 1681e ( b ). The FCRA also provides that, if a consumer disputes " the completeness or accuracy of any item of information contained in [ his ] file, '' the CRA must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
" 15 U.S.C. 1681 ( a ) ( A CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, and attorney 's fees. 15 U.S.C. 1681o. A CRA that willfully fails to comply with the FCRA can be held liable for actual damages ( or statutory damages of up to {$1000.00} ), punitive damages, costs, and attorney 's fees. 15 U.S.C. 1681n. You have a right to disputed anything

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has not actually reported my credit score to XXXX in 9 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Subject : Request to Update Employment History and Address Information on Credit Report Dear Sir/Madam, I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to request the correction of employment history and address information on my credit report. I recently obtained a copy of my credit report and noticed some inaccuracies that need to be rectified. 

I would like to bring to your attention that the following address and employment entry are incorrect and should be removed from my credit report : Incorrect Employment Entry : XXXX XXXX XXXX, XXXX, AL Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX My correct employment history is as follows : XXXX, XXXX, AL XXXX XXXX, XXXX, XXXX  XXXX, XXXX, AL XXXX XXXX, XXXX, AL Additionally, I would like to update my current address to the following : XXXX XXXX XXXX XXXX, AL XXXX Therefore, I kindly request that you make the necessary updates to my credit report by removing the incorrect employment entry ( XXXX XXXX XXXX ) and address ( XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) and replacing it with the accurate information provided above. 

Maintaining the accuracy of my personal details and employment history is crucial to ensure the integrity of my credit profile. I trust that you will process this request promptly to avoid any further discrepancies in my credit report. 

If required, you may reach me at XXXX or XXXX for any additional information or verification. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the updates made to my credit report. 

Sincerely,

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 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
This company owes me {$28.00} ; they paid me {$370.00} -- -it should be {$400.00}! They sent this card over a month late! I had to cram 100 transactions with less than 30 days -- -so they blame me for being off by one day! If this company really cared about customer service, then they would issue me a courtesy credit of {$28.00} to my checking account! Here was the offer below : Get {$300.00} when you open a new personal checking account and make a direct deposit of {$500.00} or more within 60 days. 
Then, earn up to an additional {$100.00} when you use your newly issued debit card to make purchases. Earn {$2.00} for every qualified transaction within 60 days of opening your account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 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: GA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
RE : XXXX XXXX XXXX  not recorded in XXXX. Clouding title. 

BORROWER : Redacted LOAN NUMBER : Redacted SUMMARY : We refinanced our home in XXXX through a XXXX ( combo loan ). 
1st & 2nd Mortgage with XXXX Bank, but THE PROBLEM : When the XXXX mortgage refinance was executed, the previous {$340000.00} Mortgage with XXXX XXXX XXXX XXXX was paid off ; however they never recorded a XXXX XXXX XXXX The property is now facing foreclosure auction, yet we have an Approved Short Sale. We are cleared to close EXCEPT that the XXXX XXXX XXXX Mortgage still shows up in XXXX XXXX as outstanding. 

In other words, they never filed/recorded that the property and public records shows 3 outstanding mortgages, 2 are correct, but the 3rd one is not. 

The Unrecorded Satisfaction of Mortgage in the amount of {$340000.00} with XXXX XXXX XXXX XXXX. 

Re : Originated in XX/XX/XXXX, Recorded in XX/XX/XXXX and then re-recorded on XX/XX/XXXX ( citing : This Mtg is being re-recorded because First Recording was prior to Deed into Borrower The above was : Recorded on XX/XX/XXXX, XXXX XXXX, Book XXXX, Page XXXX Recorded on XX/XX/XXXX, XXXX XXXX, Book XXXX, Page XXXX Paid off with Refinance on, yet Satisfaction of Mortgage = Never Recorded. 

XXXX XXXX has been contacted, but we are not getting any response from them ; and our Short Sale Approval is about to expire. Should it expire, they will NOT extend further the closing and will proceed with foreclosing on the property. 
WE NEED HELP!! 

Please contact us as soon as possible. Were about to lose the Short Sale and lose the property in a foreclosure auction.

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: GA

Complaint narrative:
Hello there was a fraudulent opened chime credit card in my name. The creditor refused to remove this fraudulent account in my name. So therefore im making a complaint so that the fraudulent opened account can be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
A fraudulent credit card was opened in my name. I did not authorize this account. I would like this account to be 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 2023-08-08 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: U.S. BANCORP
State: NE

Complaint narrative:
I want to file this formal complaint to ELAN FINANCIAL SERVICE. I sent them a letter last XX/XX/2022, and XX/XX/2022, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 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 non-monetary relief
Consumer complaint received 2023-08-08 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: TN

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

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 2023-08-08 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Subject : Request to Update Employment History and Address Information on Credit Report Dear Sir/Madam, I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to request the correction of employment history and address information on my credit report. I recently obtained a copy of my credit report and noticed some inaccuracies that need to be rectified. 

I would like to bring to your attention that the following address and employment entry are incorrect and should be removed from my credit report : Incorrect Employment Entry : XXXX XXXX XXXX, XXXX, AL Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX My correct employment history is as follows : XXXX, XXXX, AL XXXX XXXX, XXXX, AL XXXX, XXXX, AL XXXX XXXX, XXXX, AL Additionally, I would like to update my current address to the following : XXXX XXXX XXXX XXXX, AL XXXX Therefore, I kindly request that you make the necessary updates to my credit report by removing the incorrect employment entry ( XXXX XXXX XXXX ) and address ( XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) and replacing it with the accurate information provided above. 

Maintaining the accuracy of my personal details and employment history is crucial to ensure the integrity of my credit profile. I trust that you will process this request promptly to avoid any further discrepancies in my credit report. 

If required, you may reach me at XXXX or XXXX for any additional information or verification. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the updates made to my credit report. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
Subject : Request to Update Employment History and Address Information on Credit Report Dear Sir/Madam, I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to request the correction of employment history and address information on my credit report. I recently obtained a copy of my credit report and noticed some inaccuracies that need to be rectified. 

I would like to bring to your attention that the following address and employment entry are incorrect and should be removed from my credit report : Incorrect Employment Entry : XXXX XXXX XXXX, XXXX, AL Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX My correct employment history is as follows : XXXX, XXXX, AL XXXX XXXX, XXXX, AL XXXX, XXXX, AL XXXX XXXX, XXXX, AL Additionally, I would like to update my current address to the following : XXXX XXXX XXXX XXXX, AL XXXX Therefore, I kindly request that you make the necessary updates to my credit report by removing the incorrect employment entry ( XXXX XXXX XXXX ) and address ( XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) and replacing it with the accurate information provided above. 

Maintaining the accuracy of my personal details and employment history is crucial to ensure the integrity of my credit profile. I trust that you will process this request promptly to avoid any further discrepancies in my credit report. 

If required, you may reach me at XXXX or XXXX for any additional information or verification. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the updates made to my credit report. 

Sincerely,

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