vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent multiple letters and had several phone calls with various agents regarding this issue. The company has ignored all factual information provided and demands. 

I have filed two separate disputes with credit agencies-regarding inaccurate reporting to credit agency. Results from disputes filed show additional inaccuracies. first dispute filed XX/XX/22 second dispute filed XXXX/XXXX/22

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XXXX XX/XX/2022 at about XXXX XXXX I called the Wells Fargo customer service line to enroll in online banking. A male person in charge of customer service calling himself " XXXX '' claimed my telephone number on file with Wells Fargo rendered the account ineligible for an online account. I pushed back by asserting that Wells Fargo had indeed validated the number upon opening the account, then I told him to text the verification code to validate the number. " XXXX '' refused to do so and continued gaslighting me with claims that he couldn't put in writing because they were not truthful and not factual. I stated to " XXXX '' that Wells Fargo was indeed practicing a form of redlining by claiming my phone number was ineligible for online banking. I told him the area code of my phone number corresponds to a city with large population of XXXX Americans. Back in the XXXX and XXXX, banks such as Wells Fargo frequently denied banking services, accounts, and loans to XXXX Americans whose phone numbers were tied with their physical addresses in XXXX areas. 

Later that morning, I escalated the phone call to a department that receives and supposedly investigates discrimination complaints. The female customer service representative became defensive when I stated to her that by using the claim the bank did not verify the phone number to deny an online banking account, Wells Fargo actively engaged in the discriminatory practice of redlining. She continued with the gaslighting until I reasserted the claim that Wells Fargo was indeed actively discriminating against me. The customer service representative made vague assurances someone would review the situation and contact me at an unspecified date. 

Wells Fargo practices redlining when the financial institution refuses to XXXX access to mobile banking based on false claims that customers are ineligible for services because the bank refuses to verify phone numbers.

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 2022-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
Called Mohela on XX/XX/22 at XXXX EST to get PSLF information about the status of my student loan. Mohela is not taking phone calls and the automated FAQs did not answer or clarify my questions and concerns. I feel my payments toward my PSLF were wrongly tallied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
To remove Unauthorized information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: KEYCORP
State: MI

Complaint narrative:
On or around XXXX XX/XX/XXXX Key Bank instructed XXXX to place my student loan accounts into a CO status after Key failed to timely process a forbearance and notify its servicer and midstream collections agent. As a result, Key 's negligence caused disparate streams of information to be sent to both the borrower and co-borrower regarding the status of the loan accounts. These issues were brought to Key 's attention on or around XXXX XXXX XXXX  in CFPB complaint XXXX. I suggsted as resolution, " Rehabilitate the loans and send them back to XXXX for servicing with same interest rate ( s ) and under the terms of the original loan agreement with an N-month forbearance that brings the loan ( s ) current backdated to the time of first deliquency. Release my co-borrower after six ( 6 ) months of on-time payments. '' Key responded to XXXX writing in part " Please be advised that KeyBank complies with the provisions of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishing any information related to a consumer that KeyBank knows or has reasonable cause to believe is inaccurate to a consumer reporting agency. Any negative reporting of the Accounts during the payment extension has already been corrected. Our review identified no errors occurred after the payment extension ended and the Accounts charged off. Thus, for that timeframe we are unable to update or remove the reporting on your consumer reports. '' The applicable portion of law that Key is referring to in their response is 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ). However, what they did not mention was the provisions outlined in 15 U.S. Code 1681s2 ( a ) ( 1 ) ( E ) which outlines rehabilitation of private student loans. Key did not address the issue of loan rehabilitation in their response to XXXX and instead claimed for the requested period they were " unable '' to change any negative annotations in my credit file. The excerpts from the Federal Code are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX  : # XXXX {$180.00} XXXX XXXX XXXX  : # XXXX {$65.00} XXXX XXXX XXXX  : # XXXX {$1100.00} XXXX XXXX XXXX  : # XXXX {$730.00} XXXX XXXX XXXX : # XXXX {$290.00} XXXX XXXX XXXX # XXXX {$1100.00} XXXX XXXX XXXX # XXXX {$110.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX : # XXXX {$180.00} XXXX XXXX XXXX  : # XXXX {$65.00} XXXX XXXX XXXX : # XXXX {$1100.00XXXX XXXX XXXX XXXXI : # XXXX {$730.00} XXXX XXXX XXXX : # XXXX {$290.00} XXXX XXXX XXXX # XXXX {$1100.00XXXX XXXX XXXX XXXX # XXXX {$110.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter out on XX/XX/2022 to XXXX, transunion, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talk to. 

How did they complete this investigation

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 2022-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I've been a Paypal user for about 20 years for my all natural health and fitness store. In XXXX of 2022 Paypal froze my account. I immediately called them and was told that it was permanently frozen due to " Illegal narcotics '' sales, I was shocked to hear this because I have never sold anything illegal in my life! I asked to speak to someone immediately to rectify Paypal 's error to which I was told they would not give me anyone else to talk to ... their decision was final! I asked to see proof of the " Illegal '' sales and they could not show me their so-called " evidence ''. After much arguing and failed requests to at least be able to " face these false accusations '' I resigned myself to accepting the closure because the Paypal representative told me that I would be able to receive my {$15000.00} balance after a 180 day waiting period, and I was given the date of XX/XX/2022 as the date to when my funds would be transferred to my bank account. I waited the 6 months, and then 2 days prior to this XX/XX/XXXX date I looked into my account to find that on XX/XX/XXXX, Paypal payed my entire balance of {$15000.00} to themsleves. I did not authorize any payment, and I did not understand what was going on, so I called Paypal. They told me it was absorbed as " damages '' for " breach of the XXXX  ''. I argued again that I did not breach their TOS and again asked them to produce evidence of these " illegal sales '' and " damages '' they caused to Paypal... again, they failed to provide me with any proof whatsoever! I asked to speak to a supervisor. I wound up talking someone calling themselves " XXXX '' who apparently was just pretending to be a supervisor. She said she would start a " resolution '' with Paypal concerning my case and she would get to my complaint resolution with Paypal concerning my case, and she would get back to me next day at XXXX XXXX she never did. I called in again. I was told " no such person working there ''. This is underhanded thievery! I want Paypal to give me my money ( {$15000.00} ) They are using their carefully crafted legal jargon an XXXX  to steal from people! 

Desired Settlement : Refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX - XXXX This account is being improperly reported, I have disputed this account XXXX XXXX and this account has been removed from my credit report due to not being able to be accurately and thoroughly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
To remove Unauthorized information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX account number XXXX is reporting with incorrect negative remarks. I have closed, settled and Paid XXXX in full. Per my understanding and agreement the account should report as paid and closed, no negative or updates should be reporting after settlement. The account has Unavailable data for 2 years then there is an incorrect Charge off reported on XX/XX/2022. I am beyond disappointed on the inaccuracy of my report which I have disputed multiple times before and I'm still unsatisfied with the answers I have received. The information reported on the account XXXX is damaging financial and misleading.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: AL

Complaint narrative:
My ID was stolen and there were credit applications attempted that I did not authorize. I contacted LexisNexis so they could remove this information from my credit report to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I found out my taxes had been incorrectly calculated by XXXX XXXX SC in XX/XX/2022. I called my lender Truist Bank formerly known as BB & T. They told me they would fix the issue in a few weeks and to keep making my regular payment which is {$1900.00}. not the {$2200.00} they billed for. I have done that which is on record with Truist. 
I kept getting notices of late fees and I would call them every month and after long phone calls they took them off. I saw no progress so after months of waiting and at least a dozen calls and unfulfilled promises. 
I went to the local tax office and finally fixed the issue in XX/XX/2022 myself. I was told it would all be corrected in a few weeks. It was not. I did not call them for a while because they said it would be corrected promptly. After XXXX when I had proven the error and corrected it they not only charged me late fees they reported me to the credit bureau and ruined my credit. My son could not go to college. 
We went to our local branch and the BB & T representative was very helpful and started an official investigation. 
I have attached Truist 's offer to take off the late fees and correct the past credit data. They are still charging me for the {$3300.00} plus interest mistake that the county made. Truist stated the money that I never owed was sent to them but they seem determined to charge me even though they cashed the check from the XXXX XXXX XXXX. 

I never had a tax increase. I was not waiting on an exemption. XXXX XXXX XXXX made a mistake and sent Truist Bank an incorrect bill which increased my escrow. 
I did not make a mistake. I made my payments on time every month. I did what I was asked to do by an agent of Truist Bank. Why would they take off the first six months of late charges if I was at fault. They tell you they are recording those conversations so they have record of what happened. It seems to me they are trying to take advantage of me because I am 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 2022-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
After experiencing a problem transferring money via XXXX from XXXX  to TD Bank, I came upon, what I now know to was a bogus XXXX website. I called a fraudulent " XXXX '' phone number and did not realize that I was NOT speaking with a legitimate XXXX agent. 
He told me to download XXXX, so that he could view everything I was doing on my phone. He then told me to make 2 transfers to a " dummy '' account, in order to test my XXXX account. I was told to authorize the transfers but, that the money would bounce right back into my account. When it did not, the agent told me that he had to look further into the issue. 
After the call, I realized that I was scammed and IMMEDIATELY called the TD Bank fraud department. I explained exactly what had occurred and was told that the fraud dept was familiar with this type of scam and that I didn't have to worry about being reimbursed. However, my claim was denied because I authorized the transfer, which I only did because I thought that I was speaking with a legitimate XXXX agent. I have lost {$1500.00}. TD Bank can see that I don't use XXXX often and I have NEVER transferred funds to this person in the past. 
In addition, I had issues receiving store refunds that were not processed to my debit card because my card had to be replaced and my bank account had to be restricted. I was assured that I would have no problems, once my old account was restricted but that was not the case.

Company response to consumer: Closed with explanation