vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently started my company, this company is an XXXX, I opened a business account where my clients paid me via XXXX, but for some reason the transfers appeared under review, I called the bank 3 times to ask why and they always told me that everything was in order. 
Today, XX/XX/XXXX, I received an email telling me that my bank has decided to terminate the relationship between client and bank, and has closed and canceled all the cards and accounts I had with them, they did not give me the money, they told me that they could no longer solve the problem since I had lost access to all the money because my accounts were closed, then they told me that they would give me a cashier 's check, and at the cashier 's desk they told me that it was no longer possible because the bank had pending charges, right now I have to pay the rent, my car, and also XXXX XXXX XXXX XXXX XXXX it was the only account and now I am without money, and it turns out that no one at the bank can solve my problem, neither by phone nor in person, they do not solve it for me and they do not return my money either. In their emails they say they will give me my money back, but at the branch they told me it wasn't 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 explanation
Consumer complaint received 2024-12-05 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: KLS Financial Services, Inc
State: NC

Complaint narrative:
I did not consent to my personal information being shared with any third-party debt collectors or any other external parties. I was under the assumption that my information would remain secure and private, as per the terms outlined in their privacy policy. The fact that my details were sold or shared without my explicit consent is a breach of my privacy and trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Debt collector on behalf of property XXXXXXXX XXXX named Transworld Systems Inc, reached out to me on XX/XX/year> stating that I owed a debt and to respond. I responded to Transworld Systems Inc on XX/XX/year> via direct email back as well as followed their guidelines on how to dispute the debt via their online portal. I also mentioned how the property management owes me {$100.00}. No response was given back as stated on the email. I reached out again to follow up regarding the information I provided XX/XX/year>, again no response. The original debt amount was {$140.00} and is now reflecting {$160.00} on my credit report. I believe the company is fraudulent and illegally posting a debt on my report. I also believe that the XXXX XXXX XXXX is a participant in the illegal activity as they stole {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
DEPARTMENT OF EDUCATION NELNET ACCOUNT NUMBER : XXXX ACCOUNT TYPE : EDUCATION DATE OPENED : XXXX  STATUS : PAYMENT/DEFAULT BALANCE : {$8900.00} ORIGINAL BALANCE : {$6400.00} I am writing to request loan forgiveness due to severe financial and economic hardship. Over the past few years, my financial stability has been significantly impacted by circumstances beyond my control. 

Caring for an elderly family member with extensive medical needs has placed an enormous strain on my finances. In addition, the lingering effects of the XXXX pandemic have further exacerbated my financial challenges, making it impossible to meet the growing balloon payments on my loan. 

Despite my best efforts to manage my obligations, my current situation has left me unable to make these payments without causing undue hardship. I have explored alternative options and spoken with creditors where possible, but my financial recovery remains ongoing and uncertain. 

I am requesting your understanding and consideration for loan forgiveness to help alleviate this burden. Forgiving this loan would provide much-needed relief and allow me to focus on regaining stability during these challenging times. 

Thank you for your time and consideration of my request. Please let me know if additional information or documentation is required. I am willing to provide any necessary details to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-12-05 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: IN

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-12-05 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: CA

Complaint narrative:
I am writing as a victim of a data breach and identity theft. As a result, the following unauthorized inquiries have appeared on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete the listed inquiries from my credit report. 
Unauthorized Inquiries : 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

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 2024-12-05 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this compromised information removed from my credit file to prevent further misuse.

The following account should be blocked and deleted XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XXXX Balance : {$1500.00} Additionally, I request the following inquiries be blocked and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this compromised information removed from my credit file to prevent further misuse.

The following account should be blocked and deleted XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Opened : XXXX Balance : {$1500.00} Additionally, I request the following inquiries be blocked and removed : XXXX. RXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX XXXX placed holds on my account to ensure the funds were available after a recent cruise. Instead of releasing/using the holds they charged me {$790.00} ( which cleared ) but NEVER RELEASED THE HOLDS. 
~ contacted carnival : they have no control over the holds ~ contacted XXXX : they have no control over the holds ~ contacted EverBank MULTIPLE TIMES and they insist they cant remove/release even though carnival has their money This has caused payments to be reversed!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: LA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report as a result of a data breach and identity theft.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I ask that you take the necessary actions to address this matter promptly. 
Fraudulent Accounts : XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX, XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX XXXXXXXX XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8900.00} Fraudulent Inquiries : 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 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 non-monetary relief
Consumer complaint received 2024-12-05 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: LA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report as a result of a data breach and identity theft.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I ask that you take the necessary actions to address this matter promptly. 
Fraudulent Accounts : XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX, XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX XXXXXXXX XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8900.00} Fraudulent Inquiries : 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 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 2024-12-05 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: PA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit report as outlined below. I am a victim of a data breach and have identified these accounts and inquiries as unauthorized. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information removed. 
Fraudulent Accounts XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance : {$550.00} XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-12-05 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I reported a scam within 10 hours of making the wire transfer while it was still pending. I informed the Bank of America representative that the check the 'tenant ' gave me, for {$5800.00}, had cleared into my account. The tenant asked me to wire {$2500.00} to her agent for car towing. I notified Bank of America about the potential fraud while the transaction was still pending, but they did not act in time to stop the transfer. Now that the check has bounced, I have lost {$2500.00}. I need assistance in holding Bank of America accountable for clearing a fraudulent check into my account. The report claim on Bank of America is XXXX, and the report # made by XXXX Police is 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 2024-12-05 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: IN

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX XXXXXXXX Original Creditor : XXXX XXXX  XXXX Balance Owed : {$13000.00XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, MOHELA approved a Natural Disaster forbearance on my XXXX Mohela loan ( Account # XXXX ) through XX/XX/year>, as evidenced by the attached approval letter herein. However to date, my loan continues to reflect past due and promised call backs from Mohela senior management continue to go ignored. 

Mohela has regrettably been an ongoing debacle to deal with over the many years Ive held a loan with them and XXXX, and at this stage I must request the urgent and immediate honoring of the in-writing advised forbearance on my loan through XX/XX/year>. 

Kindly elevate this grievance immediately to ensure the placement of the Natural Disaster forbearance as advised to me both telephonically and in writing as evidenced herein. 

Thank you kindly in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist closed my checking account during a state of emergency as my house was damaged severely by hurricane XXXX, one or more of my bills hit my account and I want able to get caught up, next thing I know my checking account was closed and reported to 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 2024-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: LA

Complaint narrative:
I am filing this complaint against National Recovery Agency ( NRA ) for failing to verify a debt that was improperly reported to my credit and sent to collections. This debt was related to a hospital visit on XX/XX/XXXX, at XXXX XXXX XXXX. 

After disputing the debt directly with the hospital, XXXX conducted an internal investigation and issued a formal letter of apology dated XX/XX/XXXX. They confirmed that the debt was the result of a registration error where another patients medical records were mistakenly linked to my file. XXXX has since removed the account from collections and assured me that I am not responsible for this debt.

The critical issue here is that NRA failed to properly verify this debt before pursuing collection actions. Specifically : 1. If NRA had reviewed the original records, they would have realized that the patient 's first and middle names did not match my name.

2. This lack of due diligence caused significant distress and inconvenience as I had to repeatedly dispute a debt that was not mine.

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