vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: MD

Complaint narrative:
On XX/XX/2024 my account was placed on an administrative forbearance by MOHELA to reverse my IDR application. The administrative forbearance was placed from XX/XX/XXXX to XX/XX/XXXX. I did make a qualifying payment for the month of XXXX however MOHELA states that the payment will not count due to my account being reviewed for my IDR plan recalculation.

There are three different forbearance that were placed on my account. For the month of XX/XX/2024 they placed an administrative forbearance, processing forbearance and then for the month of XX/XX/2024 they placed a general forbearance. 

I was notified by two different Mohela representatives that the XXXX forbearance period would count towards repayment since it is occurring during the transfer time period to US department of education. 
Additionally I was told that they are automatically reprocessing/ reversing IDR applications that are submitted prior to the extending IDR recertification period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX Re : Social Security Number XXXX XX/XX/year> To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the
date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all FRAUDULENT IMMEDIATELY! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX  ACCOUNTS listed in my FTC 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 explanation
Consumer complaint received 2024-04-30 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: DISCOVER BANK
State: MS

Complaint narrative:
My information was breeched a few years back when I went on vacation on the XXXX cruise line. I've been trying ever since to get my credit and other information back on track. This Discover card is not mine and I need them to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
The month of XXXX, 2024 should count towards my PSLF. This is one of several complaints I submitted regarding similar issues the have resulted in a painfully limited response. Typically the company responds with a seemingly autogenerated message regarding my student loans which appears sufficient enough to resolve my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Veros Credit, LLC
State: GA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
i recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. 
Please remove these accounts from my report. They are hurting my ability to obtain credit. I do not recognize these accounts and did not authorize them. They are reported by third party,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
There are fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Account has been closed out and asked to be deleted from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XXXX XXXXXX/XX/XXXX I initiated a {$50000.00} transfer from my XXXX XXXX account XXXX to a newly opened CD at BMO XXXX with account # XXXX. I can only give the last XXXX digits because my account is frozen and I can't get the full account number. I initiated the transfer from the BMO XXXX account. On Weds XX/XX/XXXX I noticed that somehow there were XXXX {$50000.00} transfers, XXXX to the CD # XXXX and XXXX to my BMO XXXX savings account # XXXX. I called BMO XXXX on XX/XX/XXXX and told them that there appeared to be a problem and that I initiated only XXXX {$50000.00} transfer to the CD and NOT to the savings account. The sending bank ALLY declined the second {$50000.00} transfer due to lack of funds. After contacting BMO XXXX about this apparent glitch in their online transfer system I received an e-mail on XXXX XXXXXX/XX/XXXX that my online account was frozen. I immediately called BMO XXXX and they connected me to their Fraud department. They then told me that I needed to send a copy of government ID and a copy of a statement from XXXX bank showing that I had an account there. This was after they had already accepted {$50000.00} into the BMO XXXX CD. I sent that information on XXXX XX/XX/XXXX through the BMO XXXX  secure portal and was told it would take XXXX business days to reactivate the account. It has now been XXXX business days and when I called the Fraud department again ( during business hours ) there was no pickup and they said to leave a message. I did so but it has been XXXX hours since doing so and no one has gotten back to me. I want my account unfrozen as I want to transfer funds into my BMO XXXX savings account. No one will give me any information as to if or when any of my funds will be available and I think I have waited long enough. Thank you for your consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
For the past XXXX months I have been submitting disputes online to the credit bureaus, ( all three, Experian, XXXX and XXXX ) to remove an account from my credit profile that is NOT MINE. I HAVE NO IDEA what this account is, where it came from, whose it is, or why it is on my credit profile. This revolving credit card does not belong to me and is negatively affecting my credit profile. I demand, after XXXX months of disputing with them, that this be removed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and seen fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against Chase Bank for Failure to Honor Advertised Incentive Dear Sir/Madam, I am writing to lodge a formal complaint against Chase Bank regarding their failure to honor an advertised financial incentive, which I believe constitutes deceptive business practices under the terms of consumer protection laws. 

On our about XX/XX/2024, Chase advertised a promotional offer promising a {$900.00} incentive for opening a new Savings and Checking Account, provided certain conditions were met. These conditions included setting up direct deposits and depositing a minimum of {$30000.00} in new money into each of the newly created accounts. Trusting the integrity of Chase, I proceeded to fulfill all the stipulated requirements.

Despite meeting the criteria for the promotion, Chase has only credited {$300.00} to my account instead of the promised {$900.00}. This discrepancy came to my attention on XX/XX/2024, after reviewing my account statements and noticing the shortfall in the expected incentive. 

Upon discovering this, I immediately contacted Chase customer service for clarification and to rectify this error. However, the responses received have been unsatisfactory, with no concrete resolution provided, nor any valid reason as to why the full incentive was not honored as advertised. 

This experience has not only caused financial disappointment but also significant distress, as I had made financial decisions based on the original promise made by Chase. 

Therefore, I am seeking your intervention to resolve this matter. I request that Chase be investigated for this potentially deceptive practice and that appropriate measures be taken to ensure they honor the originally advertised incentive. Furthermore, I ask for your assistance in securing the remaining {$600.00} that was promised to me. 

Thank you for your attention to this matter. I am looking forward to your prompt response and am hopeful for a favorable resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: NC

Complaint narrative:
PLEASE BLOCK AND REMOVE Please take immediate action to remove the unauthorized inquiries from my credit report, as they were not made with my consent and are causing me great stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I have been a Nordstrom customer for years. I recently made a purchase and when I tried to pay the balance, I continually received a message that I can't " pay a nordstrom debit card online ''. I don't have a Nordstrom debit card. I never have. They charged me a late fee and were rude when I called. I never got an answer. This is a scam. Not allowing a payment and then charging a fee is fraud.

Company response to consumer: Closed with explanation