vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 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: NC

Complaint narrative:
In 2013 I had to file a bankrupt XXXX  XXXX, I have only filed a single case, but on my credit report there are XXXX cases, one DISCHARGED and the other FILED Docket # XXXX = Discharged Docket # XXXX = Filed Explanation : the lawyer who handled my case mistakenly sent my case to the wrong court, which opened a Docket # XXXX, the court transferred the case to the correct court and closed this case, The correct Doccket is # XXXX My lawyer sent me a letter with proof that this file # XXXX is closed. 

Please request the 3 credit bureaus to update the correct information in my report Thank you so much

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 2023-10-02 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
ChexSystemsInc is in violation of of 15USC 1681 ( 2 ) ( A ) along with 15USC 1681a ( 5 ) and 15USC 1681 ( b ) for allowing the following person ( s ) to furnish inaccurate information on my consumer report without providing any written authorization I gave the person ( s ) to report such information. It has been over 30 days since ChexSystemsInc has been notified of their violations and they have yet to conduct a proper investigation required by LAW or respond with right action by deleting information reported that is a direct result of IDENTITY THEFT.

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 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I made an overpayment on my credit card on XX/XX/XXXX. Amount was supposed to be {$5.00} but was {$5300.00}. Not sure if it was my error or my banks or the credit card company. The next day I called Synchrony ( Verizon branded card ) and asked them to reverse the payment. They refused and said the only way they could do it was to mail me a check in 7-14 days. On XX/XX/XXXX I called them again and they had done nothing but again said they would mail a check. It is XX/XX/XXXX and nothing shows up online yet. Aside from the fact that it is more than 3 weeks that they are keeping my $ and who knows how much longer, it is not even logical that they cant reverse the payment digitally- the way they received it. They should not be allowed to keep my money that long and should be required to return money in the manner they received it. 
I would be happy to provide more info if needed.

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 2023-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX I responded to a posting on XXXX for some bedroom furniture and a fridge. The prices were within reason and the individual who posted the items ( XXXX ) seemed legitimate. We discussed the items over XXXX 's messaging about 8 times, then switched to coordinating delivery of the furniture/fridge over text messaging and phone calls. I was even provided with the house address of where the furniture supposedly was : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The number the individual was texting me from and called from was : XXXX ( a local number ). 

We agreed I was going to give 50 % payment upfront and 50 % on delivery of the items. We discussed various payment options and they suggested XXXX XXXX to a number : XXXX. I asked if XXXX would work- to which they said I could send it to their son " XXXX '' and gave me the number of XXXX. I made a test transfer of {$10.00}, they said they received it, then I transferred the remaining {$290.00} ( representing half the agreed amount ). They confirmed receipt and said they would deliver the items whenever i was ready. The next day I attempted delivery and found their profile to be deleted, all messaging to be deleted through XXXX, and they were unresponsive to texts or calls. I immediately contacted Chase bank 's fraud department and they said that XXXX is only supposed to be used to transfer funds to and from friends that you know ( even though it CLEARLY states on their website it is for " XXXX XXXX '' to merchants. The Chase representative said they can not recoup the funds because it was authorized by XXXX. 

This goes against the XX/XX/XXXX Consumer Financial Protection Bureau issued guidance stating that fraudulent XXXX transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 

Chase has refused to refund the transfer of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
I found a debit card issued by Square Cash ( via XXXX XXXX  ) lost on the street. To prevent the owner ( identified as XXXX XXXX, XXXX XXXXXXXX ) from losing their stored balance, I attempted to contact Square Cash to revoke the card. When I did so, however, I found that they not only have no phone number listed on the card itself, but their website says that they only bother to answer the phone during business hours.

Since I have used the Square Cash app in the past, I used the app 's " chat '' feature to contact them directly. They told me that they would not mark the card as lost despite it being in my possession, and that they would take no action whatsoever to protect their customer from being victimized. They then told me that my pointing out this was creating liability on their end was " unproductive, '' refused to escalate my request to their legal team ( despite my providing my bar number as an attorney licensed in Washington, where I live ), and closed the line of communication. 

Since this is a financial provider masquerading as a bank refusing to take even the most basic fraud protection steps, I decided that my only option was to report it for enforcement action to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am an XXXX XXXX  Customer. My score should be reported daily from XXXX with credit monitoring but only seems to decrease drastically when approaching XXXX ( XXXX XXXX  decrease instantly in the beginning of XX/XX/2023 ) and my XXXX and TransUnion scores are not being reported, most recent were from XX/XX/2023. Also my score range across bureaus is close over XXXX, so although I have not seen recent fraud, the reporting seems 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 non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am an XXXX XXXX Customer. My score should be reported daily from XXXX with credit monitoring but only seems to decrease drastically when approaching XXXX ( XXXX point decrease instantly in the beginning of XX/XX/2023 ) and my Equifax and XXXX scores are not being reported, most recent were from XX/XX/2023. Also my score range across bureaus is close over XXXX, so although I have not seen recent fraud, the reporting seems inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XXXX  XX/XX/2023 by way of recorded conversation I was informed by a Wells Fargo Preservation Representative that XXXX XXXX was wrong for putting my residence on the Sheriffs Sale list on XX/XX/2023. However Wells Fargo is refusing to contact them to confirm this issue. Despite them yet claiming that my residence is no longer in Foreclosure. Then I receives an email from Wells Fargo claiming that theres an issue with the Title. Well prior to getting the first month Trial Payment they knew there was an issue with the title. Concerning my step father XXXX XXXX committing fraud with forgery on the note.

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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TRANSUNION have my nonpublic personal information such as my social security number, account numbers, and credit history with my consent and authorization. I want to opt out of credit reporting of certain accounts with certain financial institutions. This is identity theft and credit reporting is optional. I have the right to privacy as stated in the Privacy Act the Fair Credit Reporting Act, and in the Supreme Court case Griswold v. Connecticut ( 1965 ). Additionally, these accounts have been reporting falsely as the balances are in a positive amount indicting credits that are owed to my principal.

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 2023-09-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please delete these fraudulent Inquiries and accounts from my credit report. I have included the Identity theft report as well. 

Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: Opportunity Financial, LLC
State: FL

Complaint narrative:
THIS IS IDENTITY THEFT I AM NOT LIABLE FOR ANY OF THE DISPUTED ITEMS ON MY CREDIT REPORT UNDER FAIR CREDIT ACTS AND REGULATIONS identity was stolen and I noticed this when I went to pulled my credit report in XXXXXXXX XXXX XXXX XXXX XXXX There were several and I mean SEVERAL fraudulent accounts/Unauthorized accounts that were not opened by me on my credit report all of this has lowered my score into the derogatory range causing great financial burden and grief I am scared for my future. I have called these creditors several times over the past 4 months to No avail or assistance and even sent them the applicable identity theft reports and evidence in regards to my identity being stolen and used fraudulently only 3 companys adhered to my order the following accounts that I am requesting to be looked into and REMOVED IMMEDIATELY FROM MY CREDIT REPORT ARE FOLLOWING : Applied bank, XXXX Opploans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are all the fraudulent accounts on my credit report this is IDENTITY THEFT and under NO LAW AM I PAYING OR LIABLE FOR THESE DEBITS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In Regards to an automobile loan account on my consumer report with XXXX XXXX XXXX. 

I am writing to assert my privacy rights. The law requires consumer reporting agencies to respect privacy of consumers. My privacy and rights are being violated. I have not consented to the reporting of this information. This is my private data and reporting this for income or business use is fraud 18 usc 1341. And a violation of 15 usc 1681a2ai, 15 usc 1681ba2, 15 usc 1681i,15 usc 1681 s-2.

This is also a violation of tax code and multiple state laws in which Transunion, XXXX and XXXX are in violation. 


The Pennsylvania Fair Debt Collection Practices Act The Pennsylvania Financial Services Consumer Privacy Act Personally Identifiable Information Protection Act The Pennsylvania Fair Credit Reporting Act Section 4120 of Title 18 of the Pennsylvania Statutes These violation are both civil and criminal and far outway any benefit of trying to collect this debt. I have never given written instruction to report this information and any implied consent is hereby taken away. My rights will be respected or i will pursue legal action. With all applicable legal entities.

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 2023-09-30 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: PA

Complaint narrative:
In Regards to an automobile loan account on my consumer report with XXXX XXXX XXXX. 

I am writing to assert my privacy rights. The law requires consumer reporting agencies to respect privacy of consumers. My privacy and rights are being violated. I have not consented to the reporting of this information. This is my private data and reporting this for income or business use is fraud 18 usc 1341. And a violation of 15 usc 1681a2ai, 15 usc 1681ba2, 15 usc 1681i,15 usc 1681 s-2.

This is also a violation of tax code and multiple state laws in which XXXX, Experian and XXXX are in violation. 


The Pennsylvania Fair Debt Collection Practices Act The Pennsylvania Financial Services Consumer Privacy Act Personally Identifiable Information Protection Act The Pennsylvania Fair Credit Reporting Act Section 4120 of Title 18 of the Pennsylvania Statutes These violation are both civil and criminal and far outway any benefit of trying to collect this debt. I have never given written instruction to report this information and any implied consent is hereby taken away. My rights will be respected or i will pursue legal action. With all applicable legal entities.

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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have noticed that XXXX, XXXX, and Equifax are reporting accounts, inquiries along with addresses that are not accurate fraudulent and being reported without my permission. According to the FCRA XXXX, Equifax, and XXXX need my written permission to furnish anything on my consumer report, which they do not have. I did not give consent to any person to obtain my non public personal information. The reporting of these accounts and information are violating my right to privacy and defaming my character, which is hindering me from obtain credit. I demand that these companies cease and desist all fraudulent and inaccurate reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have noticed that XXXX, Experian, and XXXX are reporting accounts, inquiries along with addresses that are not accurate fraudulent and being reported without my permission. According to the FCRA XXXX, XXXX, and Experian need my written permission to furnish anything on my consumer report, which they do not have. I did not give consent to any person to obtain my non public personal information. The reporting of these accounts and information are violating my right to privacy and defaming my character, which is hindering me from obtain credit. I demand that these companies cease and desist all fraudulent and inaccurate reporting 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 2023-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MI

Complaint narrative:
I have called Ed financial 6 times to try and payoff my student loans. Each time I call its a 500 minute wait. I have called and left a callback number however no one reaches back out. They moved the first payment day up to XX/XX/28 without notifying me from XX/XX/28. 
I ended up paying the entirety of my loan following their instructions on their website however they changed the owed amount after payment. The funds have also been taken from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please investigate and remove this fraudulent inquiries. From XXXX XXXX XXXX. I have not applied for anything because I'm in a home buying process. Pleaseremove immediately as it can affect my home purchase. 

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 2023-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
My loans are with Mohela. I have over XXXX qualifying payments for XXXX forgiveness on XXXX loans. Over the past XXXX months, I have repeatedly requested to move my loans into an active status, so they may be processed for forgiveness. This is important and time-sensitive, as the interest accrues over XXXX a month to my balance.

Three times now, without any request or authorization, Mohela has continued to place my loans into forbearance and deferment. The only way I know this is that they follow up with a letter saying, " Your request for -- - has been processed '' - Yet I have NEVER made such a request. In fact, I have now sent THREE letters and countless phone calls asking them to stop this unauthorized action.

I feel this is a deceptive practice to intentionally delay the processing of my XXXX and continue to increase my balance through interest accumulation. I have documentation to demonstrate each time they have done this and documentation of me repeatedly asking them to stop taking liberty of placing my loans into forbearance or deferment. I have repeatedly clarified that I do not want this and it is being done against my will. I have been making payments on my remaining loans through the SAVE plan, yet my interest just accrued XXXX to my balance- which Mohela previously told me would not happen. 

I am beyond frustrated with this process and the time spent attempting to communicate with this loan company. I feel someone needs to examine their practices that are delaying earned loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: MN

Complaint narrative:
My new servicer ( MOHELA ) sent me what my payment will be and the amount is inaccurate as it did not take into account my wifes student loan payments. Since my wife and I file married jointly, they are supposed to take a weighted average between our payments and the combined should be what they are saying we owe individually. Our loans used to be with XXXX XXXX as I am working towards XXXX. When I called my servicer, I was on hold for more than XXXX minutes and the representative could only say they are using my AGI from 2020 tax year to calculate my payments. I used to be on the REPAYE plan and now I was moved to the SAVE plan. The representative said they will submit a request for it to be recalculated but no promises. She also told me to reapply for the SAVE program and recertify my income in order to fix the problem. And although this may fix the problem, I am not required to do income recertification until next spring. Its in my favor financially to not do recertification until Im required to do so. In addition, the representative said they do not have any files or documentation in my account. Im assuming XXXX may have failed to share my last income verification and IDR application, however this isnt, or at least shouldnt be my fault or my issue to manage. Its incumbent upon MOHELA to get what they need to do their scope of work from XXXX correctly. I have opened a case with the Department of Education. So far, ( after more than a week ) I havent heard anything from either organization. Keep in mind that MOHELA said 2 days I will get a response and the department of education said two weeks. The other issue is I have sent numerous electronic messages to MOHELA asking for information and in the rare instance I get a reply, it doesnt answer my questions. I usually just dont get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation