vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 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: IL

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: IL

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2023-12-15 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: IL

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2023-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I have giving you written unwritten verbal and non verbal per 15 U.S.C.6802

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: UT

Complaint narrative:
I have sent an online message to MOHELA on XX/XX/2023 with no response. Today XX/XX/23 I got the following message from MOHELA : " Your recent secure message received on XX/XX/2023 is expected to be reviewed and responded to within the next 15 business days. ". 

This means that it takes TWO MONTHS to receive a response from my loan servicer. When you submit an online message MOHELA 's website says " response with in 3 to 10 days ''. So their website is relaying inaccurate information and their response time is 2 months to answer an online message which is simply unacceptable for a loan servicer I owe thousands of dollars to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I Filed a claim with Wells Fargo Bank approximately XX/XX/2023 and then they said it might take about a week to 10 days to resolve It They told me on XX/XX/2023 there was some suspicious fraudulent activity on my account. I told Wells Fargo that I had my wallet and my phone stolen and my PIN was in my wallet. They told me they would have it resolved in 10 days.about 7 days into the claim they wrote me an email stating that they would be working on it and they are working on it and they will get back to me and that I would receive a credit to my account while they are working on it. Then about 2 days later after that I received another letter and they told me that they were working on it still and that and that they would you know contact with the need anything again I did receive another letter and they noticed that on some of the transactions that my PIN was used and based on this they felt that either I or someone I knew did these transactions. And at this point they would be able to do nothing more and that the claim is now done nothing more to be done.So being as upset as I am I went to the internet to see if I could see if anyone else had gone through a claim with Wells Fargo and in fact they had and they had been given the same response as they had given to me that's was that Wells Fargo had told them the same thing that they were or someone that they knew was at fault.i then decided to get a hold of you and when I was reading the internet they had success when they got a hold of the consumer finance.gov and had a very good response in getting what they needed accomplished. At this point I decided to personally write to you myself and explain what I had gone through and I felt very good about what you do for the people when they have a problem and you're there to help them and resolve it and at this point I'm out approx {$3100.00}. XXXX and we all work hard for our money. Please help me resolve this issue as I feel you're organization>people respect and have a deep regard for. It appears that Wells Fargo really has a very narrow minded opinion about these claims brought before them. 


Thank you, 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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-15 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: OK

Complaint narrative:
Equifax sent me a letter that I received today and it says They were unable to locate a file in our data base. I called them and after about an hour they left me on hold and then hung up on me. I have a mixed file with someone with very similar information to me and I have a mixed file. Equifax will not help me get this situation straightened out and it is really hurting my credit. I requested a supervisor to help me with this and they said Equifax does not have this type of person. I have sent them multiple times copies of my Drivers license and social security card and Electric bill. They have me mixed with a similar person and they will not help me with this and I have been trying to get this situation fixed for over a year now. I have my Equifax monitoring service free from the data breach from 2017 that had happened to me and the report shows things that are not mine in it. Have have disputed these items for over a year now and they will not investigate anything. Now I do not have a credit file with them. They will not let me do a temp freeze lift so my bank can look at my yearly report. 
Things are really messed up here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature.

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 2023-12-15 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature.

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 2023-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: L.B.Gray LLC A Debt Collection Agency
State: VA

Complaint narrative:
I rented an apartment at XXXX XXXX XXXX FOR XXXX  MONTHS NEVER LATE BUT I HAVE HAD XXXX SUPPORT FROM MANAGEMENT FOR MY SAFETY-ASKED UPSTAIRS NEIGHBOR TO TURN MUSIC DOWN HE CAME TO MY APATMENT WITH HIS XXXX CALLED THE POLICE NOTING HAPPEN MUSIC STILL LOUD I AM A XXXX PATIENT STRANGERS SLEEPING IN THE HALLWAYS EVERY PROBLEM I WOULD LET MANAGER AWARE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OTHER PEOPLE WOULD PARK IN MY SPOT WOULD GET THEM TOWED BUT I DID NOT WANT ANY EMIMIES, I SENT THIS INFO TO MY LAWYER AND THERE IS A CLAUSE IN RENTAL AGREEMENT THE MANAGMENT DID IGNOR I HAD TO LEAVE I WAS SCARED THEY HAD XXXX  XXXX, XXXX XXXX NO ONE DID ANYTHING AFTER XXXX MEN SLEEPING INFRONT OF MY APARTMENT DOOR I HAD TO PUT A CHAIR IN FRONT OF MY DOOR FROM THE INSIDE OF APT.ICALLED FOR A SERVICE CALL FOR MY FURNACE ALOT  OF MOLD MAINTANCE MANSAID TO KEEP CLOSET DOOR CLOSED I COULD NOT DEAL WITH PEOPLE BANGING ALL HOURS OF THE NIGHT SO I LEFT THE APARTMENT. WITH NOTICE TO OFFICE.I TOLD OFFICE ALL PARKING LIGHTS ARE OUT NOTHING NEVER REPLACED LIGHT BULBS,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was denied credit because of my Experian credit score and the score in the notice showed it was more than XXXX points less than my other two scores. I went to Experian and tried to log into my account. I couldnt remember my user name so I selected Forgot user name. It took me to a screen to enter my birthday and social security number. When I did it said they didnt match. Theres no reason they wouldnt matchI double and triple checked. So, I then tried to create a new account ( I tried about ten times over two days ) and I kept getting an error and the message said Please try again later. 

After all that I tried to call them to tell them I couldnt access my information. All I got was a recording saying they can only put me through to an agent under a very few circumstances. I tried everything I could think of with the automated system. I said Fraud, and a few other similar terms to try to get an agent and it would not connect me to anyone. I also could not find an email address. 

This is causing me tremendous stress. I should be able to talk to this company, especially if theres a big problem with my report and suspected fraud. However, there is no way to speak to a human about fraud or helping me to create an account there. This is an organization thats had a data breach and if they are going to give out this kind of information, they should be available to speak to consumers. I have no way to fix this issue so Im appealing to you to see if I can get some help. 

I have attached the error I keep getting when trying to open an account. 

Thanks, 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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-15 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I submitted a payment for {$300.00} on XX/XX/23 to be autopaid from my bank account to begin to pay off my student loans. The payment was rejected. I deleted my bank account information and re-entered it, and submitted a one-time payment on XX/XX/23 for {$300.00} to be paid. This payment was also rejected. I doubled checked all banking and routing information and everything matched, so I am not sure why my payments are being rejected. Additionally, I contacted my bank and was told that no attempt for payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: AZ

Complaint narrative:
Hello so over a month ago I filed a dispute for a bunch of charges to my account for a online sweepstakes that I made the purchases for but they ended up ripping me off for all of my winnings and closing my account so therefore I filed the dispute for all these charges and I guess the agent didn't want to file them all that night so he only filed a small number of them I tried to communicate this to the company several times like a lot of times and turns out so when they finally found the dispute to be in my favor they refunded me that money but they were still that was only like XXXX of the disputes so finally I got an agent to file the rest of the disputes and then she immediately came back on and denied the claim even though the other agent had already approved the claim for the same exact reason so I submitted a bunch more proof absolute proof showing that this company did not pay me out what I won so therefore they defrauded me of my purchases and I needed my money back and I I emailed them at least XXXX times and I'm not getting any information so I don't know if this is even still being looked at or if it's still in denial but I've submitted more proof I needed it going back into being investigated and I needed it returned the agent that I'm having a problem with is XXXX I mean how can these ones be denied after for the exact same reason is all the other ones that are approved and they all should have been on the same ticket but their agents didn't do the job properly and then they have no communication so I absolutely need all of this money back the claim number is XXXX thank you very much please do not allow this company this company already stole {$5000.00} for me that I had one I don't think that it's fair that they also get to keep my money there not an honorable company I've answered all the questions she had questions about how come I've still been doing business with this company and making purchases and I explain to her because I recorded everything and I was trying to show that they don't pay on the cash out which I did a cash out and again they they closed my account so they didn't pay me again and it was just the money that I had deposited not even nothing that I had played XXXX XXXX know is no good and I need you to operate like you're my bank do not allow these people to have my money and steal from me thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-12-15 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-12-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: MD

Complaint narrative:
I am writing to officially lodge a complaint concerning a series of unsatisfactory interactions with MOHELA representatives, specifically regarding billing and income-driven repayment ( IDR ) issues. On XX/XX/XXXX, at approximately XXXX EST, I initiated a call to discuss an unexpected charge of {$690.00} to my bank account, a significant increase from my last payment in XX/XX/XXXX, which was {$470.00}. 

During this call, I interacted with XXXX representatives XXXX, XXXX, and XXXX each providing varying levels of information but ultimately failing to resolve my concerns. XXXX admitted on the call that MOHELA failed to notify about the IDR recertification acceptance. My primary issues are as follows : Lack of Proper Communication : Despite my repeated inquiries and a formal request for clear communication in XX/XX/XXXX, MOHELA has consistently failed to inform me of critical changes to my IDR plan. This lack of communication has led to unexpected financial charges and considerable distress. 

Inadequate Service and Support : Each representative provided incomplete or unsatisfactory answers. Notably, XXXX abruptly terminated the call at XXXX EST without addressing my concerns or arranging for a callback. 

Policy Transparency and Compliance Issues : My request for a record of the conversation was denied, citing company policy. Furthermore, MOHELA refused to provide a copy of this policy. This raises concerns about transparency and accountability, particularly since my loan agreement is under the jurisdiction of the U.S. Department of Education, suggesting that federal policies should apply. 

Given these experiences, I request the following actions : A thorough investigation into the handling of my account, specifically regarding the uncommunicated changes to my IDR plan and the unexpected charge of {$690.00}. I would like it referred to the DOJ for wire fraud. 
Clarification on MOHELA 's policies about customer communication, call recording, and the sharing of policy documents. 
An official response detailing how MOHELA intends to rectify this situation, including reimbursement for the undue financial burden caused by the uncommunicated change in payment amount.

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