vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: NJ

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2023-05-16 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: AL

Complaint narrative:
Someone fraudently opened accounts using my information. XXXX XXXX XXXX {$640.00} XXXX XXXX {$800.00} & $ XXXX XXXX XXXX {$610.00}, XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} and a lot of inquiries some from the same company repeatedly.

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 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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 2023-05-16 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau : This pertains to a complaint against MOHELA ( Official Servicer of Federal Student Aid ). I have made over XXXX consecutive student loan payments in the course of 9 years, in the amount close to {$50000.00} total. The original student loan amount handled by MOHELA was {$72000.00}. The current balance still due shows {$76000.00}. I have contacted MOHELA in an attempt to receive my account payment history since XX/XX/XXXX, and I still have not received the information I requested for as of this writing, on XX/XX/XXXX. I have already filed with the Department of Education regarding this matter, on XX/XX/XXXX. 

The last correspondence I received through the postal mail from MOHELA was dated XX/XX/XXXX. This correspondence did contain partial payment history that included a total of {$11000.00} in payments, ending on XX/XX/XXXX. There was no consecutive payment history from XX/XX/XXXX to XX/XX/XXXX. Assuming that there were no typos in the page designations, I only received XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ( XXXX pages in total were missing from the letter ). I believe that this was a gimmick on the part of MOHELA, to purposely and constructively deny my request for a full payment history. 

Furthermore, there is no information pertaining to my payment history on the MOHELA 's Website, and paperless delivery to my registered e-mail account never occurred, despite the fact that I had made multiple requests. 

I am therefore requesting for assistance from the Consumer Financial Protection Bureau regarding this matter. I would like to receive my payment history from MOHELA, but I suspect purposeful delay, dereliction of fiduciary duties, negligence, or something worse on the part of MOHELA. 

All I wanted was my payment history from MOHELA, but now I can't help but to wonder if MOHELA processed my payments correctly, because my balance due did not decrease much despite all the payments I made. Furthermore, there is absolutely no information regarding my payment history on MOHELA 's Website, which raises obvious red flags. As such, I can't help but to wonder if I had to pay more for my student loans because of MOHELA 's shady business practices. Also, MOHELA has consistently failed to respond to my requests and complaints. I am therefore wondering if MOHELA failed to perform its fiduciary duties as a student loan servicer. I am also wondering if MOHELA is fraudulent, in one way or another. 

Although I understand the workload and the potential backlog at the Consumer Financial Protection Bureau, I have little choice but to make this request. 

Thank you very much for addressing my concerns, and have a wonderful day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
hi i have two disputes open with current bank from XXXX XXXX it still is in review the charges were in XXXX XXXX XXXX XXXX and i can prove where i was with XXXX timeline also they denied multiple transactions but approved two and i didnt recieve any notificationp

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The following bureaus placed unauthorized hard inquiries on my credit report violating code 15 US Code 1681b. 
Equifax - 2 hard inquiries XXXX - 8 hard inquiries XXXX - 17 hard inquiries XXXXXXXX XXXX of truth were mailed on XX/XX/2023 pending response to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The following bureaus placed unauthorized hard inquiries on my credit report violating code 15 US Code 1681b. 
XXXX - 2 hard inquiries Experian - 8 hard inquiries XXXX - 17 hard inquiries XXXX 's of truth were mailed on XX/XX/2023 pending response to all three credit bureaus.

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 2023-05-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023, after carefully asking XXXX XXXX XXXX to validate this debt belongs to me that's showing up on my credit report. On XX/XX/2023, they sent back a copy of a Bill with an address I am not associated with. I have no knowledge of this address nor have I lived here. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they reported. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately 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 2023-05-16 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 identity was compromised with these companies.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and A lot of repeated inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My identity was compromised with these companies.XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and A lot of repeated inquiries

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have reported inaccurate items on my credit report and have repeatedly requested the information to be investigated and delated and the credit bureaus have ignored my request. Misspelled names, old address and past employees that I no longer work for.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have reported inaccurate items on my credit report and have repeatedly requested the information to be investigated and delated and the credit bureaus have ignored my request. Misspelled names, old address and past employees that I no longer work for.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grow Credit Inc
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed that you have multiple late payments, but the problem is I was never late, and you do not seem to be sure that I was late either. On XX/XX/XXXX XXXX XXXX XXXX claims that I was late which is not true XXXX have me on time so how can XXXX account report differently across all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The following bureaus placed unauthorized hard inquiries on my credit report violating code XXXX5 US Code 1681b. 
XXXX - 2 hard inquiries XXXX - 8 hard inquiries Transunion - 17 hard inquiries XXXX XXXX of truth were mailed on XX/XX/2023 pending response to all three credit bureaus.

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 2023-05-16 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: MO

Complaint narrative:
Despite of my previous request, I had found out that there were still erroneous accounts on my credit file that seems to be inaccurate. For that, I am submitting again this CFPB Complaint to express my dissatisfaction as I saw my credit report again. I want some investigation regarding these matters. The following accounts needs to investigate and be corrected or deleted on my file : XXXX XXXX Balance Owed : {$400.00} - Your listing contains multiple errors that are significantly damaging to my credit score. The balance, payment status, and date of last payment that you have reported are all incorrect, and I dispute their accuracy. Let me be clear : I have never been late on any payments, and I have always made my payments on time. Therefore, I demand that you update my credit report immediately, as required by law, to reflect the accurate information.XXXX  XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that the item on my credit report is not only inaccurate but also completely false. The account in question is closed with a XXXX  balance, yet it is being reported as past due. I demand that you rectify this error immediately, as this false reporting is significantly damaging to my credit score and reputation. XXXX XXXX XXXX Balance Owed : {$2800.00} - This account 's payment history and status are disgustingly inaccurate. A charge-off MUST show a big fat XXXX  balance, no exceptions! Your careless mistake is screwing  up my credit and I won't tolerate it any longer. Either provide solid proof of the last payment, or get this garbage off my file ASAP!. XXXX XXXX Balance Owed : {$160.00} - The payment history and status on this account appear to be inaccurate. According to policy, a charge-off should have a balance of XXXX. This information is negatively affecting my credit, and I kindly request that you provide proof of the last payment. If this can not be provided, I would appreciate it if this information could be removed from my file.

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 2023-05-16 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: MO

Complaint narrative:
Despite of my previous request, I had found out that there were still erroneous accounts on my credit file that seems to be inaccurate. For that, I am submitting again this CFPB Complaint to express my dissatisfaction as I saw my credit report again. I want some investigation regarding these matters. The following accounts needs to investigate and be corrected or deleted on my file : XXXX XXXX Balance Owed : {$400.00} - Your listing contains multiple errors that are significantly damaging to my credit score. The balance, payment status, and date of last payment that you have reported are all incorrect, and I dispute their accuracy. Let me be clear : I have never been late on any payments, and I have always made my payments on time. Therefore, I demand that you update my credit report immediately, as required by law, to reflect the accurate information.XXXX  XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that the item on my credit report is not only inaccurate but also completely false. The account in question is closed with a XXXX balance, yet it is being reported as past due. I demand that you rectify this error immediately, as this false reporting is significantly damaging to my credit score and reputation. XXXX XXXX XXXX Balance Owed : {$2800.00} - This account 's payment history and status are disgustingly inaccurate. A charge-off MUST show a big fat XXXX  balance, no exceptions! Your careless mistake is screwing up my credit and I won't tolerate it any longer. Either provide solid proof of the last payment, or get this garbage off my file ASAP!. XXXX XXXX Balance Owed : {$160.00} - The payment history and status on this account appear to be inaccurate. According to policy, a charge-off should have a balance of XXXX. This information is negatively affecting my credit, and I kindly request that you provide proof of the last payment. If this can not be provided, I would appreciate it if this information could be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they reported. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : 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 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a capital one customer since XXXX & since about XXXX I have been kept at a credit limit of {$1700.00}. I have submitted multiple requests for a limit increase twice a year since XXXX & have always been denied with no real explanation, other than insufficient use of card. So then I've used the card more & have paid the full amount off, only to be denied due to my account not being eligible at this time. Which makes no sense. I pay {$39.00} dollars a year for this card & can't reap the rewards of it. It's a scam! At this point, I am extremely dissatisfied with the way this company has dealt with me & I don't use that card anymore. I applied for a credit limit increase again today but I have no hope at this point. I would like to either, have them increase my limit or offer me an upgrade option. I would not like to close this account since it is my oldest account & this would affect my credit score which is currently XXXX. Seems like capital one is stealing from me! since I can't make up the {$39.00} a year in rewards & it seems purposely calculated by the company, which is not fair. I have {$20000.00}, {$15000.00} & {$13000.00} in credit limits on other cards, which I manage very well & have never had issues with late payments. Also, most of their customer service employees are extremely rude, have offered absolutely no help or real explanation & have even hung up on me in the past. I am submitting this complaint because it is clear that capital one is taking advantage of my yearly payment & capping me off at a low limit of {$1700.00}. Essentially only capital one gains from me. They get more from the annual fee than I can ever get in rewards. Seems pretty calculated & more like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Opened small business account at Huntington bank as a sole member /sole proprietorship account. Personal banker stated that he couldn't verify my account through the state of West Virginia, I went to the bank so that it could be verified over the phone and it was verified. Personal banker insisted that the account needs to be searchable through the corporation site through the state and that was never the status of the business. Account is showing active but can not make deposits, cash checks or conduct any business because the personal bank has the account in the wrong status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/202XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022

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