vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX XXXX and TransUnion consumer report : My credit report shows Hard inquiries that I never agreed to which need to be removed immediately without proof of my knowledge and agreeance. 
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

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 2024-03-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX /Experian and XXXX consumer report : My credit report shows Hard inquiries that I never agreed to which need to be removed immediately without proof of my knowledge and agreeance. 
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

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-01 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: EdFinancial Services
State: GA

Complaint narrative:
In XXXX and XX/XX/year> there were two separate student loans taken out in my name the first one was for the amount of {$19000.00}. The second one was for the amount of. {$11000.00}. The loans were taken out for my daughter XXXX XXXX who was XXXX XXXX XXXX XXXX not me I had no knowledge of any loans being taken out. I did not sign any paperwork I did not fill out any paperwork. I contacted the financial Institute and they had all false information. They had the wrong email address wrong address, wrong phone number. They have the correct information now because I gave it to them, these loans do not belong to me and I do not think its fair that I have made several attempts to try to get them off of my credit report so I am asking that a full investigation be made regarding these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The information from the credit reporting agencies are incorrect I will like for my information on the credit report agencies to be corrected

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have retrieved a copy of the early warning services report. Navy federal has shared all banking account numbers, transactions, drivers license number, addresses, checking account info with a third party non affiliates, and breach the privacy agreement with XXXX  XXXX a silent investor therefore I am unable to transact on the account and had to remove direct deposit as pursuant to the Pursuant to the privacy act of 1974 among other violations of the NCUA. pursuant to Navy federal credit union which states " Companies not related by common ownership or control. They can be financial and non-financial companies.

Navy Federal does not share with nonaffiliates so they can market to you ''. I demand a speedy response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc.
State: IL

Complaint narrative:
I discovered on XX/XX/XXXX that my Sezzle account was reported as suspended while updating my XXXX credit report. I called to inquire about inquiries that should have been removed from a fraud claim related to inquiries made by someone attempting to buy a car. I was not expecting to see my Sezzle account as suspended. My account is not suspended. Its actually in good standing. I have not allowed this account to be behind 30 days because it is being reported to the credit reporting agencies. I was finally able to contact Sezzle on XX/XX/2024 at XXXX XXXX  & spoke with XXXX. XXXX confirmed that my account is not suspended & is in good standing. She sent me an email and I sent proof that my account is being reported incorrectly. XXXX has escalated this. Hopefully, we can get this resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Where to begin? Since my federal loan was transferred to Mohela I initially noticed the balance on my loan jumped from XXXX to XXXX even though interest was frozen due to the XXXX pandemic. When I first tried to correct this issue through the department of education complaints, Mohela disagreed with my complaint and shared a record of payments I made since XXXX  as their evidence, but it actually proved I was correct. When I tried to explain to Mohela that somehow they were charging me the " Original '' amount of my loan with XXXX when I consolidated in XXXX, instead of the ending balance after XXXX, I could no longer get through to them. I have tried calling, but can not reach an actual person, and I have sent messages through their online system with copies of documents proving my case, but their response is that my issue is too complex and needs to be handled over the phone. Which means they are avoiding me. The significance of my case is that they could possibly be doing the same with other loans and incorrectly charging borrowers the wrong amount, and calculating repayment using these incorrect amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-03-01 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CONTACTED EACH OF THE CREDITORS AND REQUESTED PROOF OF THESE INQUIRIES, WHICH ARE ERRONEOUSLY SHOWING ON MY XXXX CREDIT REPORT. 

THEY DO NOT SHOW THESE REQUEST UNDER MY PERSONAL INFO PROVIDED TO THEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: EdFinancial Services
State: NC

Complaint narrative:
We have paid {$3000.00} but it is still sitting as a credit amount but has not applied to the balance loan amount by Edfinancial. We have requested them many times to credit the account or refund but nothing is done. Its like our money is disappeared. if they applied, we didn't have to pay interest. But They keep charging interest. 
Is there any government body here who can help us resolve this? Edfinancial is fooling us around and not responding to any query. I have called them and talked to them many times but they kept saying they would look into it but nothing has been happening since last year. It's my hard earned money and there is no action taken yet. I am a student and edfinancial taking advantage of students loan borrowers. It seems like they just want students to be living with more loan for long period of time so they can still collect the interest. Hence they are not applying paid amount {$3000.00} towards the loan. We want the {$3000.00} to be refunded or dissolve all the loan amount. Also, they are at fault.. and we would be asking them they have to pay us the interest and whatever interest we have paid to them. Also please forgive the loan as edfinancial has given us too much trouble. Also they are holding {$3000.00} without applying towards the loan since the amount they have received from us and possibly they are using that money or they dont want to refund or apply towards the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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:
The information from the credit reporting agencies are incorrect I will like for my information on the credit report agencies to be corrected

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information from the credit reporting agencies are incorrect I will like for my information on the credit report agencies to be corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Phone Number ] XX/XX/XXXX Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute certain information contained in my credit report, as provided by your agency. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy and fairness of the information within my credit report. 

The disputed information is as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX 
Original Debt : Entire amount Reason for Dispute : I dispute the entire debt. As per the Fair Debt Collection Practices Act ( FDCPA ), I request validation of the debt including the presentation of the original contract bearing my wet signature, which demonstrates my obligation to the purported debt.

Current Debt Holder : Midland Credit Management , Inc. ( Debt Buyer ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Debt Buyer I acknowledge that the original creditor, XXXX XXXX XXXX XXXX XXXX, charged off the account due to delinquency or other reasons. However, it is imperative that I receive validation of the debt in question, including evidence of my original agreement with XXXX XXXX, as required by the FDCPA. 

I hereby request that you investigate this matter and provide me with documentation validating the debt, including but not limited to the original contract with my signature. Additionally, I request that all inaccurate reporting pertaining to this debt be promptly removed from all credit reporting agencies in accordance with the FCRA and FDCPA.

Please provide a response within the timeframe mandated by the FCRA, and inform me of any actions taken to rectify this dispute. Failure to comply with federal regulations may result in further action being taken, including arbitration.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in granted a goodwill faith to show on time regarding my circumstances. The consumer reporting agencies have need to report all information complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX XXXX XXXX ) Im now requesting you investigate and provide verifiable proof with recording showing that I had late payments or the company wasn't notified that they had a received payments. Also show proof that didn't agree or update my report current then change to not current. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-03-01 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:
CONTACTED EACH CREDITOR AND REQUESTED AN INVESTIGATION FOR THE FOLLOWING INQUIRIES THAT ARE ON MY TRANSUNION CREDIT FILE. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed XXXX  XXXX Bankruptcy, on XX/XX/XXXX  I received discharge for all creditor. Experian is showing that I have 7 accounts all which was discharged on the bankruptcy as having balance on the accounts and pass due payments for more than 120 days.

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 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I requested on several occasions debt validation for this account. What has been sent is not debt validation and unless I can be provided with a legal document that shows where I agreed to pay this amount, as a consumer, I have the right to demand that this be removed from my credit report immediately. 

A billing ledger does not assign a debt to me and the company has neglected to include proof that they have legal authority to collect the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2024, I sent a wire transfer from my bank account to a recipient whose account is on Bank of America. However, I made a small very understandable mistake when writing the name of the recipient, and Bank of America reversed this wire and charged an extra {$45.00} fee when refunding the amount back. I had no agreement with Bank of America on this and there were no warnings what so ever and it feels like my money was stolen, and they will not honor it 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 explanation
Consumer complaint received 2024-03-01 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
CONTACTED EACH OF THE CREDITORS AND REQUESTED PROOF OF THESE INQUIRIES, WHICH ARE ERRONEOUSLY SHOWING ON MY XXXX CREDIT REPORT. 

THEY DO NOT SHOW THESE REQUEST UNDER MY PERSONAL INFO PROVIDED TO THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
CONTACTED EACH OF THE CREDITORS AND REQUESTED PROOF OF THESE INQUIRIES, WHICH ARE ERRONEOUSLY SHOWING ON MY XXXX CREDIT REPORT. 

THEY DO NOT SHOW THESE REQUEST UNDER MY PERSONAL INFO PROVIDED TO THEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation