vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have contacted the Credit beer about these closed accounts that are old and some of them arent even mine. I requested proof of dad or for them to remove these old accounts and they have not. XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$11000.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$6400.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$300.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX, XXXXXXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$620.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
I have submitted all the paperwork they requested to process the PSLF forgiveness. It was submitted in the summer of XXXX. No responses, hold times on phone is ridiculous. I am not able to submit a forbearance application either in their portal or by phone, impossible to reach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
Hi my name is XXXX XXXX and I have some credit towards XXXX XXXX so they send me letter of credit collection service and I paid them on XXXX  from my XXXX XXXX XXXX ( ref : XXXX ( pin : XXXX ) Now again they send me 2nd letter which I received on XXXX XXXX ref number is ccs number XXXX XXXX I have paid fully pls take my name out from the list

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Today is XX/XX/ I applied to have my IDR updated on XX/XX/ MOHELA acknowledges receipt of this application on XX/XX/ I was placed in administrative forbearance by MOHELA due to long processing times. 
My IDR has not been processes as of today XX/XX/. 
Yesterday I received a bill- for the full amount of the non-IDR payments said that it is due XXXX 
I can not get through to a representative on the phone. 
My account needs to be placed back into administrative forbearance until such a time as my IDR application for the SAVE program has been processed. It has been 4 months and has still not been processed. This is not an issue on my end. 
I directly linked my application to my IRS information, ensuring that all required documentation has been received. 
I am a public school teacher and simply can not pay the standard repayment which is why I have always updated my IDR in a timely fashion. I was notified that payments would start at the end of XX/XX/ and submitted my application in XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MI

Complaint narrative:
After doing a hard credit check and pulling information from the credit reporting agency. I was approved for a credit card but I was told that Discover needed to further verify my identity by contacting the IRS I didn't like it but I said okay. ONE email was sent to me from XXXX and XXXX it was Discover 's form 4506-C this email asked for my password and since the email did not include any password notification or a link. I put in my XXXX password. I immediately got a alert that the application process had been canceled. I thought I'd try again and the same alert came up. I called Discover to question what had happened and after " 6 '' transfers and 3 dropped calls from their agents, I was finally informed ( rather harshly ) that Discover could not resend or request another 4506-C letter and it was unlikely that Discover would issue me a credit card.

Discover did a hard credit check and approved the application, they verified my identity and then emailed me a 4506-C which asked for a password DISCOVER never sent a password so how was I suppose to know what the password was? Now after all of this they aren't issuing a card after approving the application????? which had already been approved. I call FOUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXXXXXX XXXX Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose. 

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXXXXXX XXXX Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose. 

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear [ XXXX, TRANSU UNION and XXXX ], I am writing to bring to your attention inaccuracies on my credit report. After carefully reviewing my credit report, I have identified discrepancies in my personal information, specifically my name and address. I have previously contacted your agency to request corrections, but to date, no action has been taken. 

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681e ), any person who willfully fails to comply with requirements under this subchapter is liable to the consumer for damages. The Act outlines that a consumer is entitled to actual damages sustained as a result of the failure or damages not less than {$100.00} and not more than {$1000.00}. 

Additionally, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Once notified by the consumer, the furnisher must cease reporting the inaccurate information until it can be proven valid. 

I have attached an image of my driver 's license, providing accurate information for correction. The current information on file, including the address, is non-mailable. I request that you promptly update my credit report with my correct and current mailing address and name. 

Your immediate attention and compliance with the Fair Credit Reporting Act are necessary to rectify this matter. Failure to do so may result in legal consequences for your agency.

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 2023-12-30 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: FL

Complaint narrative:
Dear [ XXXX, XXXX XXXX and WXPERIAN ], I am writing to bring to your attention inaccuracies on my credit report. After carefully reviewing my credit report, I have identified discrepancies in my personal information, specifically my name and address. I have previously contacted your agency to request corrections, but to date, no action has been taken. 

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681e ), any person who willfully fails to comply with requirements under this subchapter is liable to the consumer for damages. The Act outlines that a consumer is entitled to actual damages sustained as a result of the failure or damages not less than {$100.00} and not more than {$1000.00}. 

Additionally, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Once notified by the consumer, the furnisher must cease reporting the inaccurate information until it can be proven valid. 

I have attached an image of my driver 's license, providing accurate information for correction. The current information on file, including the address, is non-mailable. I request that you promptly update my credit report with my correct and current mailing address and name. 

Your immediate attention and compliance with the Fair Credit Reporting Act are necessary to rectify this matter. Failure to do so may result in legal consequences for your agency.

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 2023-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 I received a phone call from Chase Bank. Was told my account was at risk to outside thieves. I was asked to have {$48000.00} wired from my Savings to the so called wrong account to be rewired into my account, to fix the problem. I was called the next day to do the exact same thing. Now, XXXX was pending out of my account. Both times I was locked out of my account. They released my account to do these wire transfers to help protect my money. So I was told. Later I find out that they called the people who took my money and they said that they were using it to build a business. My chase bank never called me to verify that it was me who was doing transfers but instead the thieves who somehow got the call instead of me. They sent the money to the thieves without my approval. I filled out a full report to the bank but they called back saying that the money was gone and nothing could be done even though I didnt approve of the transfer of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
The following charges when charged to my bank account for a loan I did not request. 
XX/XX/XXXX {$150.00} XX/XX/XXXX {$140.00} XX/XX/XXXX credit of {$870.00} XX/XX/XXXX {$870.00} XX/XX/XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$870.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$110.00} XX/XX/XXXX credit of {$870.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$75.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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. Section States : No consumer reporting agency my make any consumer report containing any of the following items of information, Any other adverse items information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency the person knows or has reasonable cause to believe the 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 explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX ACCOUNT XXXX XXXX DATE OF LAST ACTIVITY ARE INCORRECT DATE OPENED ARE INCORRECT DATE CLOSED ARE INCORRECT LAST PAYMENT ARE INCORRECT PAYMENT HISTORY ARE INCORRECT Last but not least, I have contacted XXXX XXXX about the charge off and they have sent me my 1099c ( 2022 tax year ). Since this is recognized as taxable income. This account should not continue to report as debt any longer as well.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX ACCOUNT XXXX XXXX DATE OF LAST ACTIVITY ARE INCORRECT DATE OPENED ARE INCORRECT DATE CLOSED ARE INCORRECT LAST PAYMENT ARE INCORRECT PAYMENT HISTORY ARE INCORRECT Last but not least, I have contacted XXXX XXXX about the charge off and they have sent me my 1099c ( 2022 tax year ). Since this is recognized as taxable income. This account should not continue to report as debt any longer as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
We were also told to let you know that we received the texts, which is how we believe we hacked, and phone calls. 
I hope this account has now been closed in total and shows a new account and a XXXX balance with these transactions, and the account has been removed from my name and information. 
This account still needs to be resolved and violates many disputes, rules, and regulations. I have filed a complaint with the CFPB and will continue to submit complaints until it is resolved. I'm afraid that's not right, and I have been very patient, but this needs resolution immediately. 

Thank you, XXXX XXXX From : Discover Card XXXX Sent : Saturday, XX/XX/2023 XXXX XXXX To : XXXX XXXX Subject : Thanks for reaching out to our team Account Center Last 4 # : XXXX Discover logo We take your feedback seriously Thanks for telling us about your experience. Feedback like yours helps us get better every day. 
Thank you for choosing Discover, Your Customer Service Team 100 % U.S. Based Customer Service available 24/7* Discover App Manage your account anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Failure to properly investigate disputed accounts reporting on the consumer file. 
See attachments

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 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I was transferred from XXXX account to Citi bank {$450.00} on XX/XX/XXXX, but the name used on XXXX is nickname, the bank said the money is not belonging to me, but XXXX verified my transaction to this bank. I tried many times to fraud department, they wont give me the money, unless I can provide my nickname is show on my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX ACCOUNT XXXX XXXX DATE OF LAST ACTIVITY ARE INCORRECT DATE OPENED ARE INCORRECT DATE CLOSED ARE INCORRECT LAST PAYMENT ARE INCORRECT PAYMENT HISTORY ARE INCORRECT Last but not least, I have contacted XXXX XXXX about the charge off and they have sent me my 1099c ( 2022 tax year ). Since this is recognized as taxable income. This account should not continue to report as debt any longer as well.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Hello, TransUnion LLC Consumer Dispute Center XXXX, XXXX XXXX My name is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I am writing to dispute the following information that appears on my TransUnion LLC consumer report : I never reside at the following address below and would like to have this immediately removed from my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I also noticed that the following inquiries below were made without my direct knowledge and consent, and I dont recognize the companies listed below in question. I request that those entries to be removed from my credit report profile immediate. This is a direct violation of 15 USC 1681, from the companies listed below : 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 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 REMOVE ALL INFORMATION LISTED ABOVE BECAUSE IT IS A DIRECT VIOLATION ON THE ITEMS LISTED UNDERNEATH : 15 USC 1681 Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports. 


Thank you, 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